Neosho, MO · Charter 68047
NCUA · 1 branch
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
100
Profitability
83
Liquidity
80
Efficiency
81
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Neosho, MO · Charter 68047
NCUA · 1 branch
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.42% | 0.17% | 0.55% | 0.81% | 1.54% | 0.97% | 1.35% | +80 bps | |
| Return on Equity | 5.37% | 3.44% | 1.72% | 5.39% | 7.40% | 12.31% | 7.48% | 10.56% | +517 bps | |
| Net Interest Margin | 2.55% | 2.93% | 2.91% | 2.83% | 3.33% | 3.86% | 4.39% | 4.39% | +157 bps | |
| Efficiency Ratio | 76.47% | 92.76% | 94.20% | 79.68% | 75.38% | 65.67% | 69.41% | 66.32% | -1,336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 3.48% | 8.03% | 1.49% | -0.80% | -3.26% | -11.87% | -6.52% | -801 bps | |
| Loan Growth (YoY) | 16.67% | 18.77% | 19.91% | 28.73% | 16.78% | 9.17% | 2.74% | -5.90% | -3,464 bps | |
| Share Growth (YoY) | 6.94% | 3.66% | 10.16% | 2.60% | -0.80% | -3.85% | -14.80% | -9.21% | -1,181 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 2.09% | 2.05% | 1.90% | 2.91% | 1.48% | 0.00% | 0.00% | -190 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 | 0.03% | -0.32% | 0.36% | 0.34% | 0.30% | 0.15% | 0.25% | 0.26% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.16% | 12.22% | 10.06% | 10.24% | 10.89% | 12.49% | 12.95% | 12.75% | +252 bps | |
| Net Worth / Assets | 11.16% | 12.22% | 10.06% | 10.24% | 10.89% | 12.49% | 12.95% | 12.75% | +252 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.24% | 78.70% | 70.52% | 74.84% | 82.70% | 89.36% | 85.04% | 77.57% | +273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Neosho, MO · Charter 68047 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
Return on Assets
1.40%
Rank 300 of 1,753
Net Interest Margin
4.41%
Rank 332 of 1,752
Efficiency Ratio
66.67%
Rank 333 of 1,748
Equity / Assets
12.76%
Rank 771 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.23% | 0.68% | 1.19% | Beats 83% | 300 / 1,753 | n/a | |
| Return on Equity | 10.97% | 1.80% | 5.29% | 9.05% | Beats 84% | 275 / 1,750 | n/a | |
| Net Interest Margin | 4.41% | 2.98% | 3.54% | 4.20% | Beats 81% | 332 / 1,752 | n/a | |
| Efficiency Ratio | 66.67% | 69.58% | 78.86% | 88.33% | Beats 81% | 333 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.59% | 1.20% | Beats 100% | 147 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.75% | 9.91% | 12.21% | 15.57% | Beats 56% | 773 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.76% | 9.91% | 12.21% | 15.57% | Beats 56% | 771 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.57% | 55.88% | 73.01% | 86.61% | 58th pctl | 738 / 1,750 | n/a | |
| Loans / Assets | 67.33% | 48.21% | 62.51% | 73.23% | 60th pctl | 693 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||