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Southwest Counties School Employees

Neosho, MO · Charter 68047

NCUA · 1 branch

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

56

Q2 2024Q2 2024peer median (50)

Asset Quality

100

Q2 2024Q2 2024peer median (50)

Profitability

83

Q2 2024Q2 2024peer median (50)

Liquidity

80

Q2 2024Q2 2024peer median

Efficiency

81

Q2 2024Q2 2024peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southwest Counties School Employees

Neosho, MO · Charter 68047

NCUA · 1 branch

Q2 2024

$1.9MAssets
$1.3MLoans
$1.6MShares
$237KNet Worth

Return on Assets (YTD, annualized)

1.35%+80 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+157 bps YoY

Efficiency Ratio (YTD, annualized)

66.32%-1,336 bps YoY

Net Worth / Assets

12.75%+252 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Return on Assets0.60%0.42%0.17%0.55%0.81%1.54%0.97%1.35%+80 bps
Net Interest Margin2.55%2.93%2.91%2.83%3.33%3.86%4.39%4.39%+157 bps
Asset Growth (YoY)5.99%3.48%8.03%1.49%-0.80%-3.26%-11.87%-6.52%-801 bps
Share Growth (YoY)6.94%3.66%10.16%2.60%-0.80%-3.85%-14.80%-9.21%-1,181 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital11.16%12.22%10.06%10.24%10.89%12.49%12.95%12.75%+252 bps
Loans / Shares70.24%78.70%70.52%74.84%82.70%89.36%85.04%77.57%+273 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southwest Counties School Employees

Neosho, MO · Charter 68047 · Peer group: credit unions under $1B in assets (n=1,748-1,753)

NCUA · 1 branch

Q2 2024

$1.9MAssets
$1.3MLoans
$1.6MShares
$237KNet Worth

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.40%0.23%0.68%1.19%Beats 83%300 / 1,753n/a
Net Interest Margin4.41%2.98%3.54%4.20%Beats 81%332 / 1,752n/a
Nonperforming Loans / Loans0.00%0.22%0.59%1.20%Beats 100%147 / 1,748n/a
Tier 1 Capital Ratio12.75%9.91%12.21%15.57%Beats 56%773 / 1,753n/a
Equity / Assets12.76%9.91%12.21%15.57%Beats 56%771 / 1,752n/a
Loans / Assets67.33%48.21%62.51%73.23%60th pctl693 / 1,752n/a