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 | |