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Letter portraitLegal landscapeQuarterYTD

Clay County Teachers

Gladstone, MO · Charter 63011

NCUA · 1 branch

Q3 2021

$12.2MAssets
$3.5MLoans
$10.8MShares
$1.3MNet Worth

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.

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.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.05%-0.22%-0.33%-0.24%-0.16%-0.30%-0.27%-0.27%-4 bps
Return on Equity0.40%-1.72%-2.80%-2.01%-1.36%-2.79%-2.48%-2.57%-55 bps
Net Interest Margin3.14%3.05%2.71%2.79%2.83%2.70%2.70%2.61%-18 bps
Efficiency Ratio98.71%105.81%109.91%106.92%104.39%103.22%101.82%100.58%-634 bps
Growth
Asset Growth (YoY)5.05%3.69%10.65%10.42%14.06%18.60%8.49%8.30%-213 bps
Loan Growth (YoY)6.28%3.61%19.20%9.77%8.91%4.58%-12.01%-15.49%-2,526 bps
Share Growth (YoY)5.63%4.93%13.14%12.86%17.06%21.30%9.56%9.41%-345 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.75%0.22%0.84%0.87%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.01%0.05%0.12%0.26%+26 bps
Capital
Risk-Based Capital13.46%12.83%11.92%11.79%11.64%10.65%10.87%10.70%-109 bps
Net Worth / Assets13.46%12.83%11.92%11.79%11.64%10.65%10.87%10.70%-109 bps
Liquidity & Funding
Loans / Shares43.16%39.95%42.61%41.84%40.15%34.44%34.22%32.32%-952 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps