St. Louis, MO · Charter 67764
NCUA · 2 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | -3.51% | -1.92% | -2.04% | -1.66% | -0.25% | 0.69% | 0.53% | +257 bps | |
| Return on Equity | 0.48% | -38.09% | -22.21% | -21.62% | -18.63% | -3.28% | 10.28% | 8.42% | +3,004 bps | |
| Net Interest Margin | 5.59% | 5.22% | 4.54% | 4.96% | 4.81% | 3.77% | 3.00% | 2.68% | -229 bps | |
| Efficiency Ratio | 92.36% | 116.02% | 115.34% | 119.37% | 122.00% | 110.18% | 92.53% | 93.07% | -2,630 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.30% | -9.80% | -3.14% | -2.06% | -3.68% | 9.78% | 28.16% | 57.92% | +5,998 bps | |
| Loan Growth (YoY) | 49.48% | -7.72% | -5.22% | 23.57% | 7.23% | 15.03% | 20.33% | -15.09% | -3,866 bps | |
| Share Growth (YoY) | -1.53% | -7.46% | -0.37% | -0.06% | -2.76% | 11.65% | 31.17% | 50.89% | +5,095 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 4.33% | 2.27% | 1.24% | 1.81% | 0.98% | 0.72% | 0.77% | -46 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 | 1.66% | 2.93% | 2.89% | 2.30% | 2.11% | 1.32% | 1.33% | 1.51% | -79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.20% | 9.21% | 8.66% | 9.46% | 8.93% | 7.69% | 6.67% | 6.26% | -319 bps | |
| Net Worth / Assets | 10.20% | 9.21% | 8.66% | 9.46% | 8.93% | 7.69% | 6.67% | 6.26% | -319 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.63% | 63.35% | 60.78% | 87.47% | 77.89% | 65.27% | 55.76% | 49.22% | -3,825 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |