St Louis, MO · Charter 67769
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.89% | -0.46% | 0.95% | 0.34% | 0.50% | +139 bps | |
| Return on Equity | -6.49% | -3.47% | 6.48% | 2.38% | 3.84% | +1,034 bps | |
| Net Interest Margin | 2.50% | 2.48% | 2.77% | 2.19% | 2.88% | +38 bps | |
| Efficiency Ratio | 73.88% | 74.12% | 65.84% | 84.67% | 82.79% | +891 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 39.64% | 38.09% | -0.96% | 1.14% | -11.73% | -5,137 bps | |
| Loan Growth (YoY) | 69.86% | 19.93% | 5.76% | -13.25% | -32.45% | -10,231 bps | |
| Share Growth (YoY) | 49.64% | 47.43% | -1.28% | 0.74% | -10.55% | -6,019 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.56% | 2.27% | 0.00% | 0.38% | 0.00% | -256 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.71% | 0.74% | 0.82% | 0.00% | -65 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.74% | 13.20% | 14.60% | 14.13% | 13.00% | -74 bps | |
| Net Worth / Assets | 13.74% | 13.20% | 14.60% | 14.13% | 13.00% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.86% | 61.56% | 66.23% | 57.54% | 54.27% | -1,759 bps | |
| Liquid Assets / Assets | 36.61% | 44.93% | 42.53% | 49.60% | 51.40% | +1,479 bps | |