Ft Leonard Wood, MO · Charter 63996
NCUA · 7 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
50
Profitability
73
Liquidity
32
Efficiency
78
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.
Ft Leonard Wood, MO · Charter 63996
NCUA · 7 branches
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.38% | 1.60% | 1.54% | 1.03% | -1 bps | |
| Return on Equity | 10.83% | 14.04% | 15.72% | 14.71% | 10.26% | -57 bps | |
| Net Interest Margin | 3.98% | 4.02% | 4.08% | 4.16% | 4.07% | +9 bps | |
| Efficiency Ratio | 63.39% | 63.36% | 60.75% | 62.13% | 67.54% | +415 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.99% | 10.43% | 11.51% | 8.82% | 11.64% | +265 bps | |
| Loan Growth (YoY) | 5.31% | 7.80% | 7.97% | 6.19% | 7.35% | +204 bps | |
| Share Growth (YoY) | 6.07% | 8.28% | 10.08% | 10.01% | 13.53% | +746 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.37% | 0.54% | 0.73% | 0.58% | +8 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 | 9.55% | 9.83% | 10.18% | 10.47% | 10.02% | +47 bps | |
| Net Worth / Assets | 9.55% | 9.83% | 10.18% | 10.47% | 10.02% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.91% | 91.90% | 91.90% | 90.97% | 85.02% | -489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ft Leonard Wood, MO · Charter 63996 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 7 branches
Q1 2025
Return on Assets
1.03%
Rank 545 of 1,678
Net Interest Margin
4.07%
Rank 535 of 1,677
Efficiency Ratio
67.54%
Rank 376 of 1,675
Equity / Assets
10.02%
Rank 1,257 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.24% | 0.67% | 1.21% | Beats 68% | 545 / 1,678 | |
| Return on Equity | 10.27% | 1.96% | 5.37% | 8.99% | Beats 82% | 305 / 1,675 | |
| Net Interest Margin | 4.07% | 3.12% | 3.67% | 4.25% | Beats 68% | 535 / 1,677 | |
| Efficiency Ratio | 67.54% | 68.92% | 78.89% | 88.44% | Beats 78% | 376 / 1,675 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.21% | 0.58% | 1.19% | Beats 50% | 832 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.02% | 10.02% | 12.33% | 15.89% | Beats 25% | 1,257 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.02% | 10.02% | 12.33% | 15.89% | Beats 25% | 1,257 / 1,677 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.02% | 54.28% | 70.33% | 83.29% | 79th pctl | 358 / 1,677 | |
| Loans / Assets | 75.16% | 46.21% | 59.98% | 70.96% | 84th pctl | 263 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||