St. Louis, MO · Charter 64520
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 1.77% | 1.23% | 1.28% | 0.97% | -59 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -6.88% | -13.92% | -12.85% | -9.66% | -20.27% | -1,340 bps | |
| Loan Growth (YoY) | 17.91% | 10.40% | 9.08% | -21.99% | -44.47% | -6,239 bps | |
| Share Growth (YoY) | -9.56% | -17.27% | -15.69% | -11.87% | -19.40% | -984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.44% | 1.88% | +188 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.62% | 0.59% | 0.70% | 0.92% | +39 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 | 79.73% | 78.69% | 76.30% | 67.70% | 54.92% | -2,481 bps | |
| Liquid Assets / Assets | 31.89% | 31.70% | 33.97% | 43.33% | 49.72% | +1,784 bps | |