Gladstone, MO · Charter 63011
NCUA · 1 branch
Q3 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.79% | 2.83% | 2.70% | 2.70% | 2.61% | -18 bps | |
| Efficiency Ratio | 106.92% | 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 / Loans | 0.00% | 0.75% | 0.22% | 0.84% | 0.87% | +87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.01% | 0.05% | 0.12% | 0.26% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.79% | 11.64% | 10.65% | 10.87% | 10.70% | -109 bps | |
| Net Worth / Assets | 11.79% | 11.64% | 10.65% | 10.87% | 10.70% | -109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.84% | 40.15% | 34.44% | 34.22% | 32.32% | -952 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |