PackageTrendsPeer
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District 8 Highway Employees

Springfield, MO · Charter 64357

NCUA · 1 branch

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

District 8 Highway Employees

Springfield, MO · Charter 64357

NCUA · 1 branch

Q1 2019

$16.9MAssets
$9.4MLoans
$14.0MShares
$2.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.24%, down 197 bps year over year; NIM at 0.81%.
  • Asset quality: problem loans at 0.00% of loans (-25 bps YoY).
  • Capital: net worth / assets of 16.86%, up 135 bps from a year ago.
  • Funding: loans stand at 66.65% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-1.24%-197 bps YoY

Net Interest Margin (YTD, annualized)

0.81%-121 bps YoY

Efficiency Ratio (YTD, annualized)

235%+17,732 bps YoY

Net Worth / Assets

16.86%+135 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.72%0.68%0.90%1.01%-1.24%-197 bps
Return on Equity4.67%4.32%5.63%6.09%-7.37%-1,204 bps
Net Interest Margin2.02%2.19%2.28%2.38%0.81%-121 bps
Efficiency Ratio57.26%63.01%59.21%58.66%235%+17,732 bps
Growth
Asset Growth (YoY)6.06%5.43%3.02%-0.11%-5.93%-1,200 bps
Loan Growth (YoY)8.49%11.22%7.82%9.03%12.32%+383 bps
Share Growth (YoY)5.92%5.41%2.43%-1.31%-7.72%-1,364 bps
Asset Quality
Delinquent Loans / Loans0.25%0.23%0.22%0.04%0.00%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.19%0.22%0.18%0.08%0.09%-11 bps
Capital
Risk-Based Capital15.51%15.65%15.99%16.62%16.86%+135 bps
Net Worth / Assets15.51%15.65%15.99%16.62%16.86%+135 bps
Liquidity & Funding
Loans / Shares54.76%58.45%60.18%62.28%66.65%+1,189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps