Springfield, MO · Charter 63411
NCUA · 4 branches
Q2 2024
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
65
Asset Quality
53
Profitability
1
Liquidity
85
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.
Springfield, MO · Charter 63411
NCUA · 4 branches
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.26% | 1.95% | -0.16% | 0.21% | 0.47% | 1.00% | 0.84% | -5.46% | -567 bps | |
| Return on Equity | 13.46% | 11.47% | -0.97% | 1.21% | 2.68% | 5.97% | 4.99% | -39.21% | -4,042 bps | |
| Net Interest Margin | 2.71% | 2.79% | 3.05% | 3.16% | 3.19% | 3.12% | 3.52% | 1.56% | -161 bps | |
| Efficiency Ratio | 57.61% | 61.36% | 84.59% | 78.63% | 78.57% | 75.53% | 82.67% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.15% | 7.41% | 6.79% | 3.62% | -0.28% | 5.31% | 5.56% | 6.58% | +296 bps | |
| Loan Growth (YoY) | 31.29% | 27.90% | 18.63% | -3.41% | -7.67% | 1.19% | 5.28% | 9.44% | +1,286 bps | |
| Share Growth (YoY) | 5.38% | 3.04% | 4.01% | 1.06% | 1.35% | 7.58% | 4.94% | 6.01% | +495 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.05% | 0.48% | 0.67% | 0.65% | 0.62% | 0.20% | 0.53% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.78% | 17.01% | 16.87% | 17.18% | 17.44% | 16.80% | 16.87% | 13.93% | -325 bps | |
| Net Worth / Assets | 16.78% | 17.01% | 16.87% | 17.18% | 17.44% | 16.80% | 16.87% | 13.93% | -325 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.59% | 81.02% | 75.02% | 73.92% | 75.24% | 76.21% | 75.26% | 76.32% | +240 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MO · Charter 63411 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 4 branches
Q2 2024
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -5.46% | 0.23% | 0.68% | 1.19% | Beats 1% | 1,738 / 1,753 | n/a | |
| Return on Equity | -39.21% | 1.80% | 5.29% | 9.05% | Beats 1% | 1,724 / 1,750 | n/a | |
| Net Interest Margin | 1.56% | 2.98% | 3.54% | 4.20% | Beats 2% | 1,725 / 1,752 | n/a | |
| Efficiency Ratio | n/a | Not reported for this institution | ||||||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.22% | 0.59% | 1.20% | Beats 53% | 816 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.93% | 9.91% | 12.21% | 15.57% | Beats 65% | 617 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.93% | 9.91% | 12.21% | 15.57% | Beats 65% | 615 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.32% | 55.88% | 73.01% | 86.61% | 56th pctl | 775 / 1,750 | n/a | |
| Loans / Assets | 61.48% | 48.21% | 62.51% | 73.23% | 48th pctl | 913 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||