St. Louis, MO · Charter 64143
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.68% | 4.73% | 2.97% | -2.51% | 0.32% | -536 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.67% | 5.69% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 107.73% | 123.57% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.22% | -2.74% | -5.26% | -4.55% | -6.54% | -432 bps | |
| Loan Growth (YoY) | 49.48% | 24.26% | 18.47% | -4.52% | 4.99% | -4,448 bps | |
| Share Growth (YoY) | -3.66% | -4.16% | -7.47% | -4.04% | -7.87% | -421 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 13.06% | 1.56% | 4.86% | 1.70% | +78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.68% | 0.49% | 3.19% | 0.96% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.92% | 90.75% | 85.25% | 81.00% | 100.19% | +1,228 bps | |
| Liquid Assets / Assets | 9.31% | 11.80% | 16.74% | 19.26% | 4.43% | -488 bps | |