Neosho, MO · Charter 64859
NCUA · 1 branch
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
83
Profitability
51
Liquidity
44
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Neosho, MO · Charter 64859
NCUA · 1 branch
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.46% | 1.35% | 1.39% | 1.68% | 1.78% | 0.80% | 0.89% | -50 bps | |
| Return on Equity | -0.26% | 3.17% | 8.90% | 8.22% | 8.63% | 8.36% | 3.63% | 4.12% | -410 bps | |
| Net Interest Margin | 1.66% | 1.97% | 2.84% | 3.15% | 3.49% | 3.76% | 3.55% | 3.67% | +51 bps | |
| Efficiency Ratio | 97.35% | 76.74% | 52.08% | 55.83% | 56.49% | 55.84% | 75.64% | 76.91% | +2,109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | 0.63% | -2.13% | -9.48% | -16.73% | -25.77% | -25.95% | -16.33% | -684 bps | |
| Loan Growth (YoY) | 33.08% | 44.14% | 45.38% | 45.82% | 21.07% | 13.67% | -8.51% | -14.91% | -6,074 bps | |
| Share Growth (YoY) | -1.70% | 0.11% | -3.39% | -12.58% | -21.44% | -31.63% | -32.03% | -20.99% | -841 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.39% | 0.44% | 0.05% | 0.22% | 0.00% | 0.16% | 0.16% | +12 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 | 0.10% | 0.17% | 0.23% | 0.14% | 0.10% | 0.17% | 0.15% | 0.16% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.62% | 14.52% | 15.12% | 16.95% | 19.42% | 21.34% | 22.02% | 21.64% | +469 bps | |
| Net Worth / Assets | 14.62% | 14.52% | 15.12% | 16.95% | 19.42% | 21.34% | 22.02% | 21.64% | +469 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.66% | 41.14% | 47.98% | 51.15% | 62.66% | 68.40% | 64.59% | 55.09% | +394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Neosho, MO · Charter 64859 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
Return on Assets
0.86%
Rank 701 of 1,753
Net Interest Margin
3.65%
Rank 799 of 1,752
Efficiency Ratio
76.92%
Rank 783 of 1,748
Equity / Assets
21.65%
Rank 156 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.23% | 0.68% | 1.19% | Beats 60% | 701 / 1,753 | n/a | |
| Return on Equity | 3.99% | 1.80% | 5.29% | 9.05% | Beats 40% | 1,046 / 1,750 | n/a | |
| Net Interest Margin | 3.65% | 2.98% | 3.54% | 4.20% | Beats 54% | 799 / 1,752 | n/a | |
| Efficiency Ratio | 76.92% | 69.58% | 78.86% | 88.33% | Beats 55% | 783 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.22% | 0.59% | 1.20% | Beats 83% | 293 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.64% | 9.91% | 12.21% | 15.57% | Beats 91% | 157 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.65% | 9.91% | 12.21% | 15.57% | Beats 91% | 156 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.09% | 55.88% | 73.01% | 86.61% | 24th pctl | 1,334 / 1,750 | n/a | |
| Loans / Assets | 43.01% | 48.21% | 62.51% | 73.23% | 18th pctl | 1,430 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||