St. Louis, MO · Charter 67744
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St. Louis, MO · Charter 67744
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.38% | -1.92% | 1.41% | 0.16% | -0.31% | -0.60% | 0.26% | -2.50% | -266 bps | |
| Return on Equity | -17.09% | -13.47% | 9.76% | 1.13% | -2.33% | -4.79% | 2.06% | -21.51% | -2,265 bps | |
| Net Interest Margin | 2.28% | 2.48% | 2.33% | 1.94% | 1.96% | 1.93% | 1.53% | 1.63% | -31 bps | |
| Efficiency Ratio | 151.42% | 144.17% | 145.66% | 165.76% | 151.37% | 156.53% | 192.22% | 249% | +8,362 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.23% | -7.89% | -5.51% | 1.04% | 1.63% | 8.48% | 5.36% | 4.06% | +302 bps | |
| Loan Growth (YoY) | -8.92% | -46.46% | -55.09% | -66.36% | -61.73% | -65.26% | -67.55% | -70.05% | -369 bps | |
| Share Growth (YoY) | -8.69% | -7.23% | -6.12% | 2.54% | 2.07% | 10.46% | 7.24% | 7.31% | +477 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 21.52% | 23.04% | 32.67% | 37.74% | 77.28% | 84.79% | 71.16% | 100.00% | +6,226 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 | 18.24% | 21.36% | 22.23% | 27.26% | 37.52% | 50.42% | 57.93% | 100.00% | +7,274 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.94% | 14.26% | 14.40% | 14.09% | 13.41% | 12.55% | 12.79% | 11.60% | -249 bps | |
| Net Worth / Assets | 13.94% | 14.26% | 14.40% | 14.09% | 13.41% | 12.55% | 12.79% | 11.60% | -249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.45% | 16.57% | 12.50% | 9.62% | 7.29% | 5.21% | 3.78% | 2.68% | -693 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |