St. Louis, MO · Charter 64074
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
St. Louis, MO · Charter 64074
NCUA · 1 branch
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -0.55% | -0.66% | -1.41% | -1.12% | -1.03% | -0.96% | -0.68% | +73 bps | |
| Return on Equity | -5.95% | -6.21% | -7.83% | -17.59% | -13.48% | -12.31% | -11.73% | -8.85% | +874 bps | |
| Net Interest Margin | 2.26% | 2.33% | 2.23% | 2.13% | 2.37% | 2.50% | 2.54% | 2.44% | +31 bps | |
| Efficiency Ratio | 110.10% | 110.80% | 111.51% | 127.13% | 122.14% | 121.07% | 119.23% | 112.83% | -1,430 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.54% | -2.45% | -0.54% | -0.55% | -5.77% | -5.47% | -7.18% | -4.79% | -424 bps | |
| Loan Growth (YoY) | -14.39% | -13.20% | -12.21% | 10.69% | 17.26% | 14.20% | 12.80% | -11.97% | -2,267 bps | |
| Share Growth (YoY) | -2.64% | -2.16% | -0.88% | -2.90% | -6.26% | -4.65% | -5.04% | -0.81% | +209 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.13% | 0.68% | 0.68% | 0.53% | 0.60% | 0.74% | 0.69% | +1 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 | 0.91% | 0.97% | 0.97% | 1.03% | 1.03% | 1.06% | 1.04% | 1.23% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 8.89% | 8.46% | 8.01% | 8.30% | 8.36% | 8.16% | 7.69% | -32 bps | |
| Net Worth / Assets | 8.74% | 8.89% | 8.46% | 8.01% | 8.30% | 8.36% | 8.16% | 7.69% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.62% | 32.11% | 30.96% | 38.33% | 39.55% | 38.46% | 36.78% | 34.02% | -431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |