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Union Memorial

St. Louis, MO · Charter 67744

NCUA · 1 branch

Q2 2020

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: Q2 2020, the quarter ended June 30, 2020, 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

Union Memorial

St. Louis, MO · Charter 67744

NCUA · 1 branch

Q2 2020

$89KAssets
$2KLoans
$78KShares
$10KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.50%, down 266 bps year over year; NIM at 1.63%.
  • Asset quality: problem loans at 100.00% of loans (+6,226 bps YoY).
  • Capital: net worth / assets of 11.60%, down 249 bps from a year ago.
  • Funding: loans stand at 2.68% of shares as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

-2.50%-266 bps YoY

Net Interest Margin (YTD, annualized)

1.63%-31 bps YoY

Efficiency Ratio (YTD, annualized)

249%+8,362 bps YoY

Net Worth / Assets

11.60%-249 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.16%-0.31%-0.60%0.26%-2.50%-266 bps
Return on Equity1.13%-2.33%-4.79%2.06%-21.51%-2,265 bps
Net Interest Margin1.94%1.96%1.93%1.53%1.63%-31 bps
Efficiency Ratio165.76%151.37%156.53%192.22%249%+8,362 bps
Growth
Asset Growth (YoY)1.04%1.63%8.48%5.36%4.06%+302 bps
Loan Growth (YoY)-66.36%-61.73%-65.26%-67.55%-70.05%-369 bps
Share Growth (YoY)2.54%2.07%10.46%7.24%7.31%+477 bps
Asset Quality
Delinquent Loans / Loans37.74%77.28%84.79%71.16%100.00%+6,226 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans27.26%37.52%50.42%57.93%100.00%+7,274 bps
Capital
Risk-Based Capital14.09%13.41%12.55%12.79%11.60%-249 bps
Net Worth / Assets14.09%13.41%12.55%12.79%11.60%-249 bps
Liquidity & Funding
Loans / Shares9.62%7.29%5.21%3.78%2.68%-693 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps