PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mid Missouri

Ft Leonard Wood, MO · Charter 63996

NCUA · 7 branches

Q1 2025

$413.0MAssets
$310.4MLoans
$365.1MShares
$41.4MNet 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 1.03%, down 1 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.58% of loans (+8 bps YoY).
  • Capital: net worth / assets of 10.02%, up 47 bps from a year ago.
  • Funding: loans stand at 85.02% of shares as of Q1 2025.

Financial Results

Return on Assets (quarter, annualized)

1.03%-1 bps YoY

Net Interest Margin (quarter, annualized)

4.07%+9 bps YoY

Efficiency Ratio (quarter, annualized)

67.54%+415 bps YoY

Net Worth / Assets

10.02%+47 bps YoY

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.03%1.38%1.60%1.54%1.03%-1 bps
Return on Equity10.83%14.04%15.72%14.71%10.26%-57 bps
Net Interest Margin3.98%4.02%4.08%4.16%4.07%+9 bps
Efficiency Ratio63.39%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 / Loans0.50%0.37%0.54%0.73%0.58%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.55%9.83%10.18%10.47%10.02%+47 bps
Net Worth / Assets9.55%9.83%10.18%10.47%10.02%+47 bps
Liquidity & Funding
Loans / Shares89.91%91.90%91.90%90.97%85.02%-489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps