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Slcwc

St. Louis, MO · Charter 64857

NCUA · 1 branch

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Slcwc

St. Louis, MO · Charter 64857

NCUA · 1 branch

Q3 2020

$2.6MAssets
$1.1MLoans
$2.3MShares
$325KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.64%, down 124 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.00% of loans (-100 bps YoY).
  • Capital: net worth / assets of 12.25%, down 83 bps from a year ago.
  • Funding: loans stand at 48.04% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.64%-124 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-45 bps YoY

Efficiency Ratio (YTD, annualized)

93.13%+945 bps YoY

Net Worth / Assets

12.25%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.59%0.42%-0.02%-0.68%-0.64%-124 bps
Return on Equity4.54%3.03%-0.18%-5.38%-5.24%-978 bps
Net Interest Margin3.09%3.24%3.00%2.78%2.64%-45 bps
Efficiency Ratio83.69%84.48%86.26%90.70%93.13%+945 bps
Growth
Asset Growth (YoY)-4.66%-7.68%-5.96%-2.88%3.51%+816 bps
Loan Growth (YoY)-9.44%-14.80%-16.00%-24.37%-25.31%-1,587 bps
Share Growth (YoY)-5.98%-9.22%-7.09%-2.94%4.62%+1,060 bps
Asset Quality
Delinquent Loans / Loans1.00%1.17%1.22%0.00%0.00%-100 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.07%0.36%0.55%0.08%0.49%+42 bps
Capital
Risk-Based Capital13.08%13.84%13.01%12.64%12.25%-83 bps
Net Worth / Assets13.08%13.84%13.01%12.64%12.25%-83 bps
Liquidity & Funding
Loans / Shares67.30%67.64%60.15%51.24%48.04%-1,925 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps