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St. Louis Firefighters

St. Louis, MO · Charter 67694

NCUA · 1 branch

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Louis Firefighters

St. Louis, MO · Charter 67694

NCUA · 1 branch

Q3 2023

$23.1MAssets
$6.2MLoans
$20.8MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.44%, up 68 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.36% of loans (-3 bps YoY).
  • Capital: net worth / assets of 10.52%, up 91 bps from a year ago.
  • Funding: loans stand at 29.80% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

0.44%+68 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+182 bps YoY

Efficiency Ratio (YTD, annualized)

89.82%-1,950 bps YoY

Net Worth / Assets

10.52%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-0.50%-0.53%-0.47%-0.24%-0.11%0.67%0.67%0.44%+68 bps
Return on Equity-5.03%-5.44%-4.87%-2.50%-1.16%6.77%6.55%4.19%+669 bps
Net Interest Margin1.59%1.54%1.64%1.87%2.14%3.27%3.52%3.69%+182 bps
Efficiency Ratio123.87%125.23%120.35%109.31%101.88%82.42%83.43%89.82%-1,950 bps
Growth
Asset Growth (YoY)11.56%2.49%4.62%0.85%0.26%0.00%-2.36%-5.01%-587 bps
Loan Growth (YoY)-10.03%-5.10%-1.52%3.12%18.63%22.52%22.38%26.55%+2,343 bps
Share Growth (YoY)13.79%3.44%5.81%1.75%0.45%0.34%-3.08%-5.09%-685 bps
Asset Quality
Delinquent Loans / Loans0.03%0.18%0.41%0.39%0.74%0.67%0.70%0.36%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.38%0.38%0.43%0.44%0.51%0.00%0.00%0.00%-44 bps
Capital
Risk-Based Capital9.89%9.67%9.61%9.61%9.75%9.86%10.31%10.52%+91 bps
Net Worth / Assets9.89%9.67%9.61%9.61%9.75%9.86%10.31%10.52%+91 bps
Liquidity & Funding
Loans / Shares22.08%21.90%22.18%22.35%26.07%26.74%28.00%29.80%+745 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps