St. Louis, MO · Charter 64857
NCUA · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St. Louis, MO · Charter 64857
NCUA · 1 branch
Q3 2020
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.45% | 0.73% | 0.59% | 0.42% | -0.02% | -0.68% | -0.64% | -124 bps | |
| Return on Equity | 5.51% | 3.72% | 5.91% | 4.54% | 3.03% | -0.18% | -5.38% | -5.24% | -978 bps | |
| Net Interest Margin | 3.02% | 2.88% | 2.93% | 3.09% | 3.24% | 3.00% | 2.78% | 2.64% | -45 bps | |
| Efficiency Ratio | 77.00% | 89.89% | 79.51% | 83.69% | 84.48% | 86.26% | 90.70% | 93.13% | +945 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | 3.12% | 3.15% | -4.66% | -7.68% | -5.96% | -2.88% | 3.51% | +816 bps | |
| Loan Growth (YoY) | 7.33% | 1.55% | -5.21% | -9.44% | -14.80% | -16.00% | -24.37% | -25.31% | -1,587 bps | |
| Share Growth (YoY) | 2.14% | 2.91% | 2.93% | -5.98% | -9.22% | -7.09% | -2.94% | 4.62% | +1,060 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.00% | 1.17% | 1.22% | 0.00% | 0.00% | -100 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 | 0.08% | 0.06% | 0.06% | 0.07% | 0.36% | 0.55% | 0.08% | 0.49% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.32% | 11.98% | 12.27% | 13.08% | 13.84% | 13.01% | 12.64% | 12.25% | -83 bps | |
| Net Worth / Assets | 12.32% | 11.98% | 12.27% | 13.08% | 13.84% | 13.01% | 12.64% | 12.25% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.07% | 66.54% | 65.76% | 67.30% | 67.64% | 60.15% | 51.24% | 48.04% | -1,925 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |