Cape Girardeau, MO · Charter 64621
NCUA · 2 branches
Q2 2025
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.47% | -0.64% | 0.56% | 0.61% | 0.64% | 0.56% | 0.71% | +15 bps | |
| Return on Equity | 10.55% | 6.15% | -8.48% | 7.19% | 7.61% | 7.97% | 7.45% | 9.17% | +198 bps | |
| Net Interest Margin | 4.02% | 4.17% | 4.29% | 4.46% | 4.60% | 4.54% | 4.22% | 4.39% | -7 bps | |
| Efficiency Ratio | 82.44% | 87.85% | 86.27% | 83.17% | 84.41% | 84.72% | 90.40% | 86.64% | +347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | 0.72% | -3.36% | -5.50% | -1.94% | 4.13% | 9.32% | 9.70% | +1,520 bps | |
| Loan Growth (YoY) | 32.03% | 27.04% | 31.63% | 24.56% | 18.98% | 19.89% | 12.45% | 9.93% | -1,463 bps | |
| Share Growth (YoY) | 1.41% | 0.25% | -4.42% | -6.52% | -2.94% | 4.10% | 9.44% | 9.12% | +1,564 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.12% | 0.11% | 0.10% | 0.01% | 0.22% | 0.08% | 0.00% | -10 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 | 0.11% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.60% | 7.52% | 7.84% | 8.07% | 8.05% | 7.54% | 7.78% | -5 bps | |
| Net Worth / Assets | 7.43% | 7.60% | 7.52% | 7.84% | 8.07% | 8.05% | 7.54% | 7.78% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.88% | 72.67% | 75.16% | 80.26% | 83.20% | 83.69% | 77.22% | 80.85% | +59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |