St. Louis, MO · Charter 62711
NCUA · 2 branches
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.95% | -1.16% | -1.45% | -2.53% | -3.29% | -234 bps | |
| Return on Equity | -10.61% | -13.77% | -17.20% | -31.02% | -45.93% | -3,532 bps | |
| Net Interest Margin | 2.80% | 2.75% | 2.93% | 3.11% | 3.07% | +27 bps | |
| Efficiency Ratio | 107.27% | 105.18% | 111.63% | 106.66% | 131.02% | +2,375 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.94% | 0.14% | -3.81% | -10.26% | -11.66% | -1,072 bps | |
| Loan Growth (YoY) | -12.34% | -10.45% | -9.79% | -7.52% | -8.43% | +391 bps | |
| Share Growth (YoY) | -0.01% | 2.48% | 3.10% | -1.03% | -1.25% | -124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.93% | 2.88% | 1.75% | 0.93% | 1.92% | -101 bps | |
| Net Charge-Offs / Loans | 0.75% | 0.66% | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 2.41% | 2.79% | 2.53% | 2.89% | 3.28% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.95% | 8.41% | 8.41% | 8.16% | 7.15% | -180 bps | |
| Net Worth / Assets | 8.95% | 8.41% | 8.41% | 8.16% | 7.15% | -180 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |