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City Utilities Employees

Springfield, MO · Charter 63411

NCUA · 4 branches

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2024peer median (50)

Asset Quality

53

Q2 2024Q2 2024peer median (50)

Profitability

1

Q2 2024Q2 2024peer median (50)

Liquidity

85

Q2 2024Q2 2024peer median

Efficiency

No peer data yet

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

City Utilities Employees

Springfield, MO · Charter 63411

NCUA · 4 branches

Q2 2024

$184.3MAssets
$113.3MLoans
$148.4MShares
$25.7MNet 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 -5.46%, down 567 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 0.53% of loans (-14 bps YoY).
  • Capital: net worth / assets of 13.93%, down 325 bps from a year ago.
  • Funding: loans stand at 76.32% of shares as of Q2 2024.

Financial Results

Return on Assets (YTD, annualized)

-5.46%-567 bps YoY

Net Interest Margin (YTD, annualized)

1.56%-161 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.93%-325 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets0.21%0.47%1.00%0.84%-5.46%-567 bps
Return on Equity1.21%2.68%5.97%4.99%-39.21%-4,042 bps
Net Interest Margin3.16%3.19%3.12%3.52%1.56%-161 bps
Efficiency Ratio78.63%78.57%75.53%82.67%n/an/a
Growth
Asset Growth (YoY)3.62%-0.28%5.31%5.56%6.58%+296 bps
Loan Growth (YoY)-3.41%-7.67%1.19%5.28%9.44%+1,286 bps
Share Growth (YoY)1.06%1.35%7.58%4.94%6.01%+495 bps
Asset Quality
Delinquent Loans / Loans0.67%0.65%0.62%0.20%0.53%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.18%17.44%16.80%16.87%13.93%-325 bps
Net Worth / Assets17.18%17.44%16.80%16.87%13.93%-325 bps
Liquidity & Funding
Loans / Shares73.92%75.24%76.21%75.26%76.32%+240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

City Utilities Employees

Springfield, MO · Charter 63411 · Peer group: credit unions under $1B in assets (n=1,748-1,753)

NCUA · 4 branches

Q2 2024

$184.3MAssets
$113.3MLoans
$148.4MShares
$25.7MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 65% of credit unions under $1B in assets (rank 617 of 1753).
  • Widest gap: return on equity trails 99% of credit unions under $1B in assets (rank 1724 of 1750).
  • Overall: at or above the peer median on 3 of 6 directional measures.

Return on Assets

-5.46%

Rank 1,738 of 1,753

Net Interest Margin

1.56%

Rank 1,725 of 1,752

Equity / Assets

13.93%

Rank 615 of 1,752

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-5.46%0.23%0.68%1.19%Beats 1%1,738 / 1,753
Return on Equity-39.21%1.80%5.29%9.05%Beats 1%1,724 / 1,750
Net Interest Margin1.56%2.98%3.54%4.20%Beats 2%1,725 / 1,752
Efficiency Ration/aNot reported for this institution
Asset Quality
Nonperforming Loans / Loans0.53%0.22%0.59%1.20%Beats 53%816 / 1,748
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.93%9.91%12.21%15.57%Beats 65%617 / 1,753
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.93%9.91%12.21%15.57%Beats 65%615 / 1,752
Liquidity & Funding
Loans / Deposits76.32%55.88%73.01%86.61%56th pctl775 / 1,750
Loans / Assets61.48%48.21%62.51%73.23%48th pctl913 / 1,752
Brokered Deposits / Depositsn/aNot reported for this institution