Saint Louis, MO · Charter 21683
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the St. Louis, MO-IL area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
100
Profitability
57
Liquidity
0
Efficiency
93
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.
Saint Louis, MO · Charter 21683
NCUA · 1 branch
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.43% | 2.17% | 2.04% | 1.26% | 1.19% | 5.21% | 0.90% | -114 bps | |
| Return on Equity | 8.67% | 11.10% | 15.25% | 14.49% | 8.90% | 8.18% | 36.39% | 6.35% | -814 bps | |
| Net Interest Margin | 2.70% | 3.16% | 4.80% | 4.50% | 4.22% | 3.85% | 17.97% | 2.94% | -155 bps | |
| Efficiency Ratio | 65.67% | 58.41% | 56.26% | 51.35% | 52.13% | 52.96% | 58.67% | 67.06% | +1,571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | 0.26% | -8.94% | -6.60% | -7.09% | -4.92% | 4.58% | 3.16% | +976 bps | |
| Loan Growth (YoY) | 66.78% | 18.51% | 2.21% | 1.19% | -11.59% | -17.78% | -15.44% | -22.19% | -2,338 bps | |
| Share Growth (YoY) | -1.95% | 0.91% | -9.77% | -8.72% | -10.66% | -7.88% | 2.89% | 2.53% | +1,125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.16% | 0.00% | 7.40% | 0.00% | 0.00% | 0.00% | 0.00% | -740 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 | 0.23% | 0.21% | 0.34% | 1.69% | 0.00% | 1.16% | 1.96% | 3.73% | +204 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.84% | 12.91% | 14.24% | 14.09% | 14.10% | 14.52% | 14.33% | 14.25% | +16 bps | |
| Net Worth / Assets | 11.84% | 12.91% | 14.24% | 14.09% | 14.10% | 14.52% | 14.33% | 14.25% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.15% | 12.12% | 11.48% | 10.33% | 11.03% | 10.82% | 9.43% | 7.84% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 21683 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 1 branch
Q2 2026
Return on Assets
1.00%
Rank 5 of 27
Net Interest Margin
3.01%
Rank 21 of 27
Efficiency Ratio
66.67%
Rank 3 of 27
Equity / Assets
14.29%
Rank 9 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.25% | 0.67% | 0.86% | Beats 81% | 5 / 27 | ||
| Return on Equity | 7.02% | 2.16% | 5.85% | 7.25% | Beats 69% | 8 / 26 | ||
| Net Interest Margin | 3.01% | 3.01% | 3.75% | 4.07% | Beats 22% | 21 / 27 | ||
| Efficiency Ratio | 66.67% | 71.97% | 77.45% | 89.37% | Beats 93% | 3 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.77% | 1.40% | Beats 100% | 3 / 27 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.29% | 9.38% | 10.56% | 15.42% | Beats 67% | 9 / 27 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.29% | 9.38% | 10.56% | 15.42% | Beats 67% | 9 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 7.72% | 56.38% | 74.82% | 87.76% | 4th pctl | 26 / 27 | ||
| Loans / Assets | 6.52% | 50.27% | 64.80% | 77.37% | 4th pctl | 26 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||