St. Joseph, MO · Charter 67954
Q2 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.19% | 0.19% | -6.11% | -6.06% | -6.20% | -939 bps | |
| Return on Equity | n/a | n/a | n/a | -131.72% | -72.84% | n/a | |
| Net Interest Margin | n/a | 4.17% | 4.65% | 5.28% | 5.14% | n/a | |
| Efficiency Ratio | n/a | 86.15% | 147.69% | 140.79% | 92.86% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 34.57% | 38.98% | 23.33% | 3.46% | -26.72% | -6,129 bps | |
| Loan Growth (YoY) | 38.18% | 37.76% | 15.72% | 6.73% | -28.37% | -6,655 bps | |
| Share Growth (YoY) | 38.52% | 48.09% | 32.59% | 10.72% | -26.85% | -6,537 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 3.53% | 2.35% | 5.65% | 10.52% | +898 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.03% | 2.09% | 2.13% | 7.03% | +667 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 4.60% | 8.52% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 4.60% | 8.52% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.56% | 87.66% | 81.79% | 94.55% | 82.81% | -175 bps | |
| Liquid Assets / Assets | 15.20% | 0.00% | 0.00% | 5.48% | 24.17% | +897 bps | |