St. Louis, MO · Charter 64669
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
St. Louis, MO · Charter 64669
Q3 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.91% | -0.93% | -0.99% | -0.87% | -0.99% | -7 bps | |
| Return on Equity | -2.88% | -2.91% | -3.11% | -2.74% | -2.85% | +3 bps | |
| Net Interest Margin | 0.80% | 0.81% | 0.80% | 0.79% | 0.88% | +8 bps | |
| Efficiency Ratio | 217% | 218% | 228% | 212% | 214% | -293 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.41% | -2.90% | -1.32% | -3.01% | -10.80% | -740 bps | |
| Loan Growth (YoY) | 28.13% | 10.53% | -4.64% | 15.02% | 16.79% | -1,134 bps | |
| Share Growth (YoY) | -3.72% | -2.94% | -0.52% | -3.00% | -14.48% | -1,076 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.43% | 0.00% | 0.00% | 0.00% | -79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.13% | 0.02% | 0.02% | 0.02% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.74% | 31.92% | 31.73% | 31.79% | 34.58% | +284 bps | |
| Net Worth / Assets | 31.74% | 31.92% | 31.73% | 31.79% | 34.58% | +284 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 12.14% | 12.56% | 10.77% | 15.13% | 16.58% | +444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |