St. Louis, MO · Charter 67694
NCUA · 1 branch
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 1.59% | 1.54% | 1.64% | 1.87% | 2.14% | 3.27% | 3.52% | 3.69% | +182 bps | |
| Efficiency Ratio | 123.87% | 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 / Loans | 0.03% | 0.18% | 0.41% | 0.39% | 0.74% | 0.67% | 0.70% | 0.36% | -3 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 | 0.38% | 0.38% | 0.43% | 0.44% | 0.51% | 0.00% | 0.00% | 0.00% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.89% | 9.67% | 9.61% | 9.61% | 9.75% | 9.86% | 10.31% | 10.52% | +91 bps | |
| Net Worth / Assets | 9.89% | 9.67% | 9.61% | 9.61% | 9.75% | 9.86% | 10.31% | 10.52% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.08% | 21.90% | 22.18% | 22.35% | 26.07% | 26.74% | 28.00% | 29.80% | +745 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |