St. Michaels
Craig, CO · Charter 11340 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.0MAssets
$410KLoans
$894KShares
$128KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets (rank 9 of 1682).
- Widest gap: net interest margin trails 93% of credit unions under $1B in assets (rank 1559 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.96%
Rank 84 of 1,683
Net Interest Margin
2.74%
Rank 1,559 of 1,683
Efficiency Ratio
33.33%
Rank 9 of 1,682
Equity / Assets
12.52%
Rank 907 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.96% | 0.35% | 0.74% | 1.18% | Beats 95% | 84 / 1,683 | |
| Return on Equity | 15.63% | 2.67% | 5.89% | 8.74% | Beats 98% | 40 / 1,681 | |
| Net Interest Margin | 2.74% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,559 / 1,683 | |
| Efficiency Ratio | 33.33% | 68.91% | 78.20% | 86.93% | Beats 100% | 9 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 46% | 905 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.52% | 10.44% | 12.89% | 16.53% | Beats 46% | 907 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.52% | 10.44% | 12.89% | 16.53% | Beats 46% | 907 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 45.86% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,393 / 1,683 | |
| Loans / Assets | 40.12% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,363 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |