Saint Louis, MO · Charter 24797
NCUA · 6 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
37
Profitability
8
Liquidity
49
Efficiency
4
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 24797
NCUA · 6 branches
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.08% | -0.11% | -0.18% | -7.22% | -693 bps | |
| Return on Equity | -3.66% | -1.02% | -1.41% | -2.31% | -121.81% | -11,815 bps | |
| Net Interest Margin | 3.11% | 3.21% | 3.28% | 3.30% | 3.14% | +4 bps | |
| Efficiency Ratio | 103.39% | 100.09% | 99.39% | 99.97% | 279% | +17,550 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.41% | 0.98% | 1.48% | 2.48% | 1.25% | +166 bps | |
| Loan Growth (YoY) | -4.45% | -4.02% | -1.48% | -0.75% | -1.92% | +254 bps | |
| Share Growth (YoY) | -0.80% | 0.40% | 1.46% | 2.04% | 1.53% | +234 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 0.96% | 1.42% | 1.00% | 0.98% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.00% | 7.98% | 8.00% | 7.91% | 5.93% | -207 bps | |
| Net Worth / Assets | 8.00% | 7.98% | 8.00% | 7.91% | 5.93% | -207 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.56% | 61.42% | 62.31% | 61.37% | 58.51% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 24797 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=27-28)
NCUA · 6 branches
Q1 2026
Return on Assets
-7.22%
Rank 28 of 28
Net Interest Margin
3.14%
Rank 21 of 28
Efficiency Ratio
279%
Rank 27 of 27
Equity / Assets
5.93%
Rank 27 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.22% | 0.23% | 0.60% | 0.83% | Beats 0% | 28 / 28 | |
| Return on Equity | -121.83% | 1.89% | 5.28% | 6.98% | Beats 0% | 28 / 28 | |
| Net Interest Margin | 3.14% | 3.14% | 3.73% | 4.49% | Beats 25% | 21 / 28 | |
| Efficiency Ratio | 279% | 71.56% | 78.57% | 89.49% | Beats 4% | 27 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.26% | 0.76% | 1.18% | Beats 37% | 18 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.93% | 9.23% | 10.59% | 15.09% | Beats 4% | 27 / 28 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.93% | 9.23% | 10.59% | 15.09% | Beats 4% | 27 / 28 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.51% | 58.51% | 74.34% | 87.07% | 25th pctl | 21 / 28 | |
| Loans / Assets | 54.69% | 53.87% | 65.42% | 74.70% | 29th pctl | 20 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||