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Missouri National Guard

Jefferson City, MO · Charter 64283

NCUA · 6 branches

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Missouri National Guard

Jefferson City, MO · Charter 64283

NCUA · 6 branches

Q3 2023

$500.7MAssets
$395.3MLoans
$444.6MShares
$43.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.93%, down 43 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.55% of loans (+7 bps YoY).
  • Capital: net worth / assets of 8.77%, up 4 bps from a year ago.
  • Funding: loans stand at 88.90% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

0.93%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+2 bps YoY

Efficiency Ratio (YTD, annualized)

71.67%+608 bps YoY

Net Worth / Assets

8.77%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets1.49%1.37%1.38%1.36%1.30%0.72%0.87%0.93%-43 bps
Return on Equity17.05%15.64%15.79%15.53%14.66%8.35%9.89%10.58%-495 bps
Net Interest Margin2.91%3.06%3.08%3.03%3.03%3.02%3.06%3.05%+2 bps
Efficiency Ratio64.09%67.40%66.04%65.59%68.20%76.91%73.79%71.67%+608 bps
Growth
Asset Growth (YoY)21.19%18.25%18.61%18.39%15.88%17.72%14.25%12.73%-566 bps
Loan Growth (YoY)19.49%22.56%21.96%20.61%20.48%14.53%13.91%12.08%-852 bps
Share Growth (YoY)21.53%18.75%18.39%17.85%15.35%16.80%13.56%11.93%-592 bps
Asset Quality
Delinquent Loans / Loans0.44%0.33%0.39%0.47%0.47%0.34%0.37%0.55%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.92%0.83%0.79%0.75%0.58%0.00%0.00%0.00%-75 bps
Capital
Risk-Based Capital8.74%8.73%8.75%8.73%8.84%8.60%8.76%8.77%+4 bps
Net Worth / Assets8.74%8.73%8.75%8.73%8.84%8.60%8.76%8.77%+4 bps
Liquidity & Funding
Loans / Shares85.65%87.79%89.29%88.78%89.45%86.08%89.56%88.90%+12 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps