Springfield, MO · Charter 63411
NCUA · 4 branches
Q2 2024
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.47% | 1.00% | 0.84% | -5.46% | -567 bps | |
| Return on Equity | 1.21% | 2.68% | 5.97% | 4.99% | -39.21% | -4,042 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.12% | 3.52% | 1.56% | -161 bps | |
| Efficiency Ratio | 78.63% | 78.57% | 75.53% | 82.67% | n/a | n/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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.18% | 17.44% | 16.80% | 16.87% | 13.93% | -325 bps | |
| Net Worth / Assets | 17.18% | 17.44% | 16.80% | 16.87% | 13.93% | -325 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |