West Side Baptist Church
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
$399KAssets
$26KLoans
$337KShares
$57KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 3 of 27).
- Widest gap: net interest margin trails 78% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 21 of 27).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 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 |