Hannibal, MO · Charter 67682
NCUA · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | 1.33% | 0.53% | -0.91% | -2.91% | -0.85% | -1.44% | -6.02% | -511 bps | |
| Return on Equity | -0.93% | 8.47% | 3.05% | -5.20% | -16.73% | -4.00% | -7.10% | -32.72% | -2,752 bps | |
| Net Interest Margin | 3.65% | 3.29% | 3.86% | 3.27% | 3.09% | 3.72% | 3.63% | 3.31% | +4 bps | |
| Efficiency Ratio | 104.09% | 60.56% | 86.50% | 127.45% | 191.70% | 122.41% | 138.84% | 282% | +15,460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.30% | -5.47% | -11.17% | -5.67% | -6.51% | -27.03% | -22.92% | -19.79% | -1,412 bps | |
| Loan Growth (YoY) | -14.81% | -5.97% | -8.75% | 1.99% | -9.15% | -25.08% | -24.41% | -29.17% | -3,116 bps | |
| Share Growth (YoY) | -10.92% | -6.43% | -13.69% | -7.33% | -8.03% | -32.15% | -25.61% | -20.65% | -1,332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.66% | 0.59% | 0.64% | 0.66% | 0.72% | 0.79% | 0.84% | 0.93% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.20% | 15.67% | 17.36% | 17.46% | 17.41% | 21.35% | 20.32% | 18.40% | +94 bps | |
| Net Worth / Assets | 16.20% | 15.67% | 17.36% | 17.46% | 17.41% | 21.35% | 20.32% | 18.40% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.46% | 81.09% | 83.12% | 82.56% | 75.53% | 89.55% | 84.46% | 73.70% | -886 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |