Columbia, MO · Charter 65656
NCUA · 7 branches
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.86% | 0.95% | 0.83% | 1.19% | 1.14% | 0.97% | -0.24% | -107 bps | |
| Return on Equity | 7.91% | 8.98% | 9.51% | 8.49% | 11.73% | 11.20% | 9.45% | -2.43% | -1,093 bps | |
| Net Interest Margin | 3.00% | 3.07% | 3.13% | 3.00% | 3.23% | 3.25% | 3.29% | 2.82% | -18 bps | |
| Efficiency Ratio | 78.18% | 75.08% | 73.76% | 78.97% | 70.67% | 68.80% | 72.03% | 100.07% | +2,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -1.31% | 2.24% | 4.34% | 4.25% | 4.65% | 5.29% | 6.74% | +240 bps | |
| Loan Growth (YoY) | 27.06% | 18.54% | 8.42% | 1.79% | 0.58% | -2.27% | -5.39% | -8.69% | -1,048 bps | |
| Share Growth (YoY) | -2.67% | -2.67% | 1.26% | 3.02% | 3.12% | 3.49% | 5.02% | 6.75% | +373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.13% | 0.20% | 0.11% | 0.17% | 0.15% | 0.17% | 0.16% | +6 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 | 0.23% | 0.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.62% | 9.95% | 9.81% | 10.11% | 10.21% | 10.31% | 9.68% | -12 bps | |
| Net Worth / Assets | 9.37% | 9.62% | 9.95% | 9.81% | 10.11% | 10.21% | 10.31% | 9.68% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.19% | 69.67% | 69.86% | 68.25% | 67.48% | 65.79% | 62.94% | 58.38% | -987 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |