Neosho, MO · Charter 64859
NCUA · 1 branch
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |