Alltru
Wentzville, MO · Charter 24774 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 5 branches
Q2 2026
$400.6MAssets
$324.7MLoans
$361.9MShares
$37.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 1 of 27).
- Widest gap: nonperforming loans / loans trails 85% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 24 of 27).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.20%
Rank 22 of 27
Net Interest Margin
5.66%
Rank 1 of 27
Efficiency Ratio
69.95%
Rank 6 of 27
Equity / Assets
9.43%
Rank 20 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.20% | 0.25% | 0.67% | 0.86% | Beats 19% | 22 / 27 | | |
| Return on Equity | 2.16% | 2.16% | 5.85% | 7.25% | Beats 23% | 20 / 26 | | |
| Net Interest Margin | 5.66% | 3.01% | 3.75% | 4.07% | Beats 96% | 1 / 27 | | |
| Efficiency Ratio | 69.95% | 71.97% | 77.45% | 89.37% | Beats 81% | 6 / 27 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.38% | 0.24% | 0.77% | 1.40% | Beats 15% | 24 / 27 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.43% | 9.38% | 10.56% | 15.42% | Beats 26% | 20 / 27 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.43% | 9.38% | 10.56% | 15.42% | Beats 26% | 20 / 27 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.73% | 56.38% | 74.82% | 87.76% | 81st pctl | 5 / 27 | | |
| Loans / Assets | 81.06% | 50.27% | 64.80% | 77.37% | 85th pctl | 4 / 27 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |