PackageTrendsPeer
Letter portraitLegal landscape

Clay County Teachers

Gladstone, MO · Charter 63011

NCUA · 1 branch

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Clay County Teachers

Gladstone, MO · Charter 63011

NCUA · 1 branch

Q3 2021

$12.2MAssets
$3.5MLoans
$10.8MShares
$1.3MNet 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 -0.27%, down 4 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.87% of loans (+87 bps YoY).
  • Capital: net worth / assets of 10.70%, down 109 bps from a year ago.
  • Funding: loans stand at 32.32% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.27%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.61%-18 bps YoY

Efficiency Ratio (YTD, annualized)

100.58%-634 bps YoY

Net Worth / Assets

10.70%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.24%-0.16%-0.30%-0.27%-0.27%-4 bps
Return on Equity-2.01%-1.36%-2.79%-2.48%-2.57%-55 bps
Net Interest Margin2.79%2.83%2.70%2.70%2.61%-18 bps
Efficiency Ratio106.92%104.39%103.22%101.82%100.58%-634 bps
Growth
Asset Growth (YoY)10.42%14.06%18.60%8.49%8.30%-213 bps
Loan Growth (YoY)9.77%8.91%4.58%-12.01%-15.49%-2,526 bps
Share Growth (YoY)12.86%17.06%21.30%9.56%9.41%-345 bps
Asset Quality
Delinquent Loans / Loans0.00%0.75%0.22%0.84%0.87%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.01%0.05%0.12%0.26%+26 bps
Capital
Risk-Based Capital11.79%11.64%10.65%10.87%10.70%-109 bps
Net Worth / Assets11.79%11.64%10.65%10.87%10.70%-109 bps
Liquidity & Funding
Loans / Shares41.84%40.15%34.44%34.22%32.32%-952 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps