Jefferson City, MO · Charter 64283
NCUA · 6 branches
Q3 2023
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.37% | 1.38% | 1.36% | 1.30% | 0.72% | 0.87% | 0.93% | -43 bps | |
| Return on Equity | 17.05% | 15.64% | 15.79% | 15.53% | 14.66% | 8.35% | 9.89% | 10.58% | -495 bps | |
| Net Interest Margin | 2.91% | 3.06% | 3.08% | 3.03% | 3.03% | 3.02% | 3.06% | 3.05% | +2 bps | |
| Efficiency Ratio | 64.09% | 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 / Loans | 0.44% | 0.33% | 0.39% | 0.47% | 0.47% | 0.34% | 0.37% | 0.55% | +7 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 | 0.92% | 0.83% | 0.79% | 0.75% | 0.58% | 0.00% | 0.00% | 0.00% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 8.73% | 8.75% | 8.73% | 8.84% | 8.60% | 8.76% | 8.77% | +4 bps | |
| Net Worth / Assets | 8.74% | 8.73% | 8.75% | 8.73% | 8.84% | 8.60% | 8.76% | 8.77% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.65% | 87.79% | 89.29% | 88.78% | 89.45% | 86.08% | 89.56% | 88.90% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |