St. Louis, MO · Charter 64761
NCUA · 1 branch
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.75% | -0.71% | -0.70% | -0.60% | -1.25% | -50 bps | |
| Return on Equity | -6.94% | -6.51% | -6.48% | -5.83% | -12.03% | -509 bps | |
| Net Interest Margin | 2.83% | 2.80% | 2.78% | 2.77% | 3.00% | +18 bps | |
| Efficiency Ratio | 106.70% | 107.31% | 108.15% | 111.57% | 122.23% | +1,553 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.25% | 5.82% | 5.18% | 1.90% | -4.17% | -1,242 bps | |
| Loan Growth (YoY) | 9.23% | 7.67% | -15.87% | -12.74% | -10.68% | -1,991 bps | |
| Share Growth (YoY) | 10.16% | 7.39% | 6.74% | 2.99% | -3.95% | -1,411 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.34% | 0.10% | 0.37% | 0.54% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.57% | 0.58% | 0.58% | 0.60% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.86% | 10.85% | 10.79% | 10.30% | 10.39% | -47 bps | |
| Net Worth / Assets | 10.86% | 10.85% | 10.79% | 10.30% | 10.39% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.87% | 65.97% | 63.54% | 59.09% | 62.18% | -468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |