St. Louis, MO · Charter 67752
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 67752
Q3 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.07% | 0.01% | 0.37% | 0.31% | +18 bps | |
| Return on Equity | 0.74% | 0.42% | 0.04% | 1.90% | 1.53% | +79 bps | |
| Net Interest Margin | 3.28% | 3.32% | 3.19% | 3.16% | 3.21% | -6 bps | |
| Efficiency Ratio | 94.60% | 93.98% | 99.73% | 79.87% | 84.50% | -1,010 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.17% | 1.69% | -11.33% | -7.93% | -10.56% | -39 bps | |
| Loan Growth (YoY) | -19.37% | -2.28% | 12.03% | 20.27% | 16.33% | +3,571 bps | |
| Share Growth (YoY) | -12.33% | 1.87% | -13.79% | -9.91% | -13.31% | -98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.55% | 1.67% | 0.61% | 1.03% | 0.92% | -164 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.64% | 0.18% | 0.19% | 0.19% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.11% | 17.84% | 19.38% | 19.50% | 20.46% | +235 bps | |
| Net Worth / Assets | 18.11% | 17.84% | 19.38% | 19.50% | 20.46% | +235 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.05% | 56.81% | 69.16% | 67.61% | 69.85% | +1,780 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |