St. Louis, MO · Charter 65545
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 7.25% | 7.76% | 2.36% | 3.00% | 1.42% | -583 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -15.33% | -14.13% | -7.19% | -19.75% | n/a | |
| Loan Growth (YoY) | n/a | -14.65% | -3.89% | -23.59% | -3.06% | n/a | |
| Share Growth (YoY) | n/a | -19.23% | -20.77% | -9.31% | -24.62% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.54% | 1.35% | 2.70% | 11.32% | 21.00% | +1,545 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.93% | 8.29% | 7.09% | 8.29% | 9.52% | +59 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.23% | 36.02% | 42.01% | 35.94% | 35.02% | +779 bps | |
| Liquid Assets / Assets | 78.00% | 71.87% | 67.68% | 71.93% | 73.80% | -421 bps | |