St. Louis, MO · Charter 67796
NCUA · 1 branch
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.98% | 1.26% | 0.97% | -8.05% | -921 bps | |
| Return on Equity | 6.05% | 4.93% | 6.33% | 4.71% | -53.45% | -5,950 bps | |
| Net Interest Margin | 5.26% | 5.61% | 6.48% | 6.18% | 6.20% | +94 bps | |
| Efficiency Ratio | 71.58% | 74.69% | 81.50% | 81.68% | 108.23% | +3,664 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.72% | -9.69% | -0.87% | -3.38% | -9.05% | -333 bps | |
| Loan Growth (YoY) | 14.24% | 5.30% | -2.41% | -10.79% | -16.33% | -3,058 bps | |
| Share Growth (YoY) | -7.79% | -12.75% | -2.33% | -5.04% | -4.88% | +291 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.20% | 6.23% | 6.74% | 6.84% | 11.78% | +459 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.06% | 0.06% | 0.21% | 0.42% | 8.69% | +864 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.15% | 19.76% | 19.88% | 20.54% | 15.07% | -408 bps | |
| Net Worth / Assets | 19.15% | 19.76% | 19.88% | 20.54% | 15.07% | -408 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.78% | 100.68% | 97.31% | 93.56% | 79.85% | -1,093 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |