PackageTrendsPeer
Letter portraitLegal landscape

Midwest

Florissant, MO · Charter 63835

NCUA · 2 branches

Q1 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Midwest

Florissant, MO · Charter 63835

NCUA · 2 branches

Q1 2018

$10.3MAssets
$3.6MLoans
$8.9MShares
$1.1MNet 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 -27.64%, down 2,641 bps year over year; NIM at -1.01%.
  • Asset quality: problem loans at 0.80% of loans (-23 bps YoY).
  • Capital: net worth / assets of 10.94%, down 693 bps from a year ago.
  • Funding: loans stand at 40.21% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-27.64%-2,641 bps YoY

Net Interest Margin (YTD, annualized)

-1.01%-386 bps YoY

Efficiency Ratio (YTD, annualized)

2271%+215,652 bps YoY

Net Worth / Assets

10.94%-693 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-1.23%-0.93%-1.11%-0.99%-27.64%-2,641 bps
Return on Equity-6.88%-5.10%-6.16%-5.47%-253%-24,586 bps
Net Interest Margin2.84%2.95%3.00%3.01%-1.01%-386 bps
Efficiency Ratio114.15%110.03%109.67%109.06%2271%+215,652 bps
Growth
Asset Growth (YoY)-5.58%-3.11%-1.90%-0.07%-3.46%+212 bps
Loan Growth (YoY)-17.52%-11.26%-10.31%-11.62%-16.90%+62 bps
Share Growth (YoY)-3.95%-3.79%-0.63%1.84%-0.22%+373 bps
Asset Quality
Delinquent Loans / Loans1.03%0.88%1.65%1.80%0.80%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%0.78%1.11%1.27%1.48%+55 bps
Capital
Risk-Based Capital17.87%18.24%18.01%18.03%10.94%-693 bps
Net Worth / Assets17.87%18.24%18.01%18.03%10.94%-693 bps
Liquidity & Funding
Loans / Shares48.29%49.32%48.07%46.88%40.21%-807 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps