St. Louis, MO · Charter 62590
NCUA · 4 branches
Q4 2024
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.00% | -2.40% | -1.96% | -1.96% | -0.69% | -0.79% | -0.84% | -1.02% | +94 bps | |
| Return on Equity | -28.13% | -36.73% | -29.93% | -32.14% | -11.70% | -13.59% | -14.52% | -18.38% | +1,376 bps | |
| Net Interest Margin | 3.41% | 3.37% | 3.29% | 3.18% | 3.16% | 3.29% | 3.44% | 3.47% | +30 bps | |
| Efficiency Ratio | 87.73% | 96.64% | 98.85% | 102.46% | 107.25% | 100.46% | 98.86% | 108.67% | +621 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | -4.49% | -8.20% | -5.63% | -5.18% | -6.02% | -6.09% | -8.18% | -254 bps | |
| Loan Growth (YoY) | -0.89% | -8.94% | -15.92% | -15.64% | -13.74% | -9.96% | -8.50% | -9.55% | +610 bps | |
| Share Growth (YoY) | -8.93% | -5.52% | -0.40% | 2.10% | 0.83% | -3.37% | -3.22% | -5.03% | -713 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 2.66% | 2.69% | 3.14% | 2.80% | 2.71% | 3.32% | 2.28% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.12% | 6.54% | 6.55% | 6.09% | 5.89% | 5.82% | 5.81% | 5.53% | -56 bps | |
| Net Worth / Assets | 7.12% | 6.54% | 6.55% | 6.09% | 5.89% | 5.82% | 5.81% | 5.53% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.33% | 86.56% | 85.08% | 84.75% | 80.71% | 80.65% | 80.44% | 80.73% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |