PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Electro Savings

St. Louis, MO · Charter 62590

NCUA · 4 branches

Q4 2024

$192.9MAssets
$147.3MLoans
$182.4MShares
$10.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.02%, up 94 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 2.28% of loans (-86 bps YoY).
  • Capital: net worth / assets of 5.53%, down 56 bps from a year ago.
  • Funding: loans stand at 80.73% of shares as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

-1.02%+94 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+30 bps YoY

Efficiency Ratio (YTD, annualized)

108.67%+621 bps YoY

Net Worth / Assets

5.53%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets-1.96%-0.69%-0.79%-0.84%-1.02%+94 bps
Return on Equity-32.14%-11.70%-13.59%-14.52%-18.38%+1,376 bps
Net Interest Margin3.18%3.16%3.29%3.44%3.47%+30 bps
Efficiency Ratio102.46%107.25%100.46%98.86%108.67%+621 bps
Growth
Asset Growth (YoY)-5.63%-5.18%-6.02%-6.09%-8.18%-254 bps
Loan Growth (YoY)-15.64%-13.74%-9.96%-8.50%-9.55%+610 bps
Share Growth (YoY)2.10%0.83%-3.37%-3.22%-5.03%-713 bps
Asset Quality
Delinquent Loans / Loans3.14%2.80%2.71%3.32%2.28%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital6.09%5.89%5.82%5.81%5.53%-56 bps
Net Worth / Assets6.09%5.89%5.82%5.81%5.53%-56 bps
Liquidity & Funding
Loans / Shares84.75%80.71%80.65%80.44%80.73%-403 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps