St. Louis, MO · Charter 64074
NCUA · 1 branch
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.41% | -1.12% | -1.03% | -0.96% | -0.68% | +73 bps | |
| Return on Equity | -17.59% | -13.48% | -12.31% | -11.73% | -8.85% | +874 bps | |
| Net Interest Margin | 2.13% | 2.37% | 2.50% | 2.54% | 2.44% | +31 bps | |
| Efficiency Ratio | 127.13% | 122.14% | 121.07% | 119.23% | 112.83% | -1,430 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.55% | -5.77% | -5.47% | -7.18% | -4.79% | -424 bps | |
| Loan Growth (YoY) | 10.69% | 17.26% | 14.20% | 12.80% | -11.97% | -2,267 bps | |
| Share Growth (YoY) | -2.90% | -6.26% | -4.65% | -5.04% | -0.81% | +209 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.03% | 1.03% | 1.06% | 1.04% | 1.23% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.01% | 8.30% | 8.36% | 8.16% | 7.69% | -32 bps | |
| Net Worth / Assets | 8.01% | 8.30% | 8.36% | 8.16% | 7.69% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |