Florissant, MO · Charter 63835
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Florissant, MO · Charter 63835
NCUA · 2 branches
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.40% | -0.46% | -0.67% | -1.23% | -0.93% | -1.11% | -0.99% | -27.64% | -2,641 bps | |
| Return on Equity | -2.17% | -2.43% | -3.53% | -6.88% | -5.10% | -6.16% | -5.47% | -253% | -24,586 bps | |
| Net Interest Margin | 3.26% | 3.24% | 3.26% | 2.84% | 2.95% | 3.00% | 3.01% | -1.01% | -386 bps | |
| Efficiency Ratio | 101.18% | 100.67% | 101.40% | 114.15% | 110.03% | 109.67% | 109.06% | 2271% | +215,652 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.17% | -6.07% | -9.17% | -5.58% | -3.11% | -1.90% | -0.07% | -3.46% | +212 bps | |
| Loan Growth (YoY) | -17.17% | -15.07% | -15.06% | -17.52% | -11.26% | -10.31% | -11.62% | -16.90% | +62 bps | |
| Share Growth (YoY) | -4.37% | -6.31% | -10.40% | -3.95% | -3.79% | -0.63% | 1.84% | -0.22% | +373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.16% | 2.09% | 1.03% | 0.88% | 1.65% | 1.80% | 0.80% | -23 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 | 1.32% | 1.08% | 1.47% | 0.92% | 0.78% | 1.11% | 1.27% | 1.48% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.56% | 18.80% | 19.01% | 17.87% | 18.24% | 18.01% | 18.03% | 10.94% | -693 bps | |
| Net Worth / Assets | 18.56% | 18.80% | 19.01% | 17.87% | 18.24% | 18.01% | 18.03% | 10.94% | -693 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.47% | 53.26% | 54.03% | 48.29% | 49.32% | 48.07% | 46.88% | 40.21% | -807 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |