St. Louis, MO · Charter 64857
NCUA · 1 branch
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.42% | -0.02% | -0.68% | -0.64% | -124 bps | |
| Return on Equity | 4.54% | 3.03% | -0.18% | -5.38% | -5.24% | -978 bps | |
| Net Interest Margin | 3.09% | 3.24% | 3.00% | 2.78% | 2.64% | -45 bps | |
| Efficiency Ratio | 83.69% | 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 / Loans | 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 |
| Allowance / Loans | 0.07% | 0.36% | 0.55% | 0.08% | 0.49% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.08% | 13.84% | 13.01% | 12.64% | 12.25% | -83 bps | |
| Net Worth / Assets | 13.08% | 13.84% | 13.01% | 12.64% | 12.25% | -83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |