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Unite Southwest

St. Louis, MO · Charter 67764

NCUA · 2 branches

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Unite Southwest

St. Louis, MO · Charter 67764

NCUA · 2 branches

Q3 2021

$3.7MAssets
$1.6MLoans
$3.2MShares
$230KNet 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 0.53%, up 257 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.77% of loans (-46 bps YoY).
  • Capital: net worth / assets of 6.26%, down 319 bps from a year ago.
  • Funding: loans stand at 49.22% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.53%+257 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-229 bps YoY

Efficiency Ratio (YTD, annualized)

93.07%-2,630 bps YoY

Net Worth / Assets

6.26%-319 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-2.04%-1.66%-0.25%0.69%0.53%+257 bps
Return on Equity-21.62%-18.63%-3.28%10.28%8.42%+3,004 bps
Net Interest Margin4.96%4.81%3.77%3.00%2.68%-229 bps
Efficiency Ratio119.37%122.00%110.18%92.53%93.07%-2,630 bps
Growth
Asset Growth (YoY)-2.06%-3.68%9.78%28.16%57.92%+5,998 bps
Loan Growth (YoY)23.57%7.23%15.03%20.33%-15.09%-3,866 bps
Share Growth (YoY)-0.06%-2.76%11.65%31.17%50.89%+5,095 bps
Asset Quality
Delinquent Loans / Loans1.24%1.81%0.98%0.72%0.77%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.30%2.11%1.32%1.33%1.51%-79 bps
Capital
Risk-Based Capital9.46%8.93%7.69%6.67%6.26%-319 bps
Net Worth / Assets9.46%8.93%7.69%6.67%6.26%-319 bps
Liquidity & Funding
Loans / Shares87.47%77.89%65.27%55.76%49.22%-3,825 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps