Springfield, MO · Charter 64357
NCUA · 1 branch
Q1 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Springfield, MO · Charter 64357
NCUA · 1 branch
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.33% | 1.31% | 0.72% | 0.68% | 0.90% | 1.01% | -1.24% | -197 bps | |
| Return on Equity | 9.37% | 8.54% | 8.34% | 4.67% | 4.32% | 5.63% | 6.09% | -7.37% | -1,204 bps | |
| Net Interest Margin | 2.34% | 2.29% | 2.30% | 2.02% | 2.19% | 2.28% | 2.38% | 0.81% | -121 bps | |
| Efficiency Ratio | 65.95% | 63.15% | 61.63% | 57.26% | 63.01% | 59.21% | 58.66% | 235% | +17,732 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 1.80% | 4.09% | 6.06% | 5.43% | 3.02% | -0.11% | -5.93% | -1,200 bps | |
| Loan Growth (YoY) | 6.08% | 9.96% | 10.49% | 8.49% | 11.22% | 7.82% | 9.03% | 12.32% | +383 bps | |
| Share Growth (YoY) | 0.11% | 0.72% | 3.20% | 5.92% | 5.41% | 2.43% | -1.31% | -7.72% | -1,364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.06% | 0.06% | 0.25% | 0.23% | 0.22% | 0.04% | 0.00% | -25 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 | 0.28% | 0.25% | 0.12% | 0.19% | 0.22% | 0.18% | 0.08% | 0.09% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.69% | 15.61% | 15.75% | 15.51% | 15.65% | 15.99% | 16.62% | 16.86% | +135 bps | |
| Net Worth / Assets | 15.69% | 15.61% | 15.75% | 15.51% | 15.65% | 15.99% | 16.62% | 16.86% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.39% | 57.17% | 56.37% | 54.76% | 58.45% | 60.18% | 62.28% | 66.65% | +1,189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |