St. Louis, MO · Charter 62711
NCUA · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St. Louis, MO · Charter 62711
NCUA · 2 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.00% | -1.04% | -0.96% | -0.95% | -1.16% | -1.45% | -2.53% | -3.29% | -234 bps | |
| Return on Equity | -10.46% | -11.11% | -10.55% | -10.61% | -13.77% | -17.20% | -31.02% | -45.93% | -3,532 bps | |
| Net Interest Margin | 2.90% | 2.86% | 2.83% | 2.80% | 2.75% | 2.93% | 3.11% | 3.07% | +27 bps | |
| Efficiency Ratio | 108.78% | 110.33% | 109.83% | 107.27% | 105.18% | 111.63% | 106.66% | 131.02% | +2,375 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.63% | -3.21% | -0.30% | -0.94% | 0.14% | -3.81% | -10.26% | -11.66% | -1,072 bps | |
| Loan Growth (YoY) | -15.98% | -15.86% | -16.25% | -12.34% | -10.45% | -9.79% | -7.52% | -8.43% | +391 bps | |
| Share Growth (YoY) | -0.83% | -2.59% | 0.62% | -0.01% | 2.48% | 3.10% | -1.03% | -1.25% | -124 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 1.72% | 2.63% | 2.93% | 2.88% | 1.75% | 0.93% | 1.92% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.82% | 0.75% | 0.66% | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 1.80% | 2.10% | 2.31% | 2.41% | 2.79% | 2.53% | 2.89% | 3.28% | +88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.58% | 9.34% | 9.14% | 8.95% | 8.41% | 8.41% | 8.16% | 7.15% | -180 bps | |
| Net Worth / Assets | 9.58% | 9.34% | 9.14% | 8.95% | 8.41% | 8.41% | 8.16% | 7.15% | -180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.66% | 50.46% | 48.08% | 48.12% | 46.02% | 44.15% | 44.93% | 44.62% | -350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |