Lutheran
Saint Louis, MO · Charter 24861 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 1 branch
Q2 2026
$38.6MAssets
$17.8MLoans
$35.1MShares
$3.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 3 of 20).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets in the Memphis, TN-MS-AR area (rank 18 of 20).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.90%
Rank 9 of 20
Net Interest Margin
3.74%
Rank 12 of 20
Efficiency Ratio
84.75%
Rank 11 of 20
Equity / Assets
9.02%
Rank 18 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.17% | 0.80% | 1.30% | Beats 55% | 9 / 20 | |
| Return on Equity | 9.99% | 1.70% | 5.99% | 7.93% | Beats 90% | 2 / 20 | |
| Net Interest Margin | 3.74% | 3.56% | 3.85% | 4.24% | Beats 40% | 12 / 20 | |
| Efficiency Ratio | 84.75% | 66.59% | 84.75% | 93.62% | Beats 50% | 11 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.32% | 0.63% | 1.03% | Beats 100% | 3 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.02% | 13.24% | 17.38% | 21.71% | Beats 10% | 18 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.02% | 13.24% | 17.38% | 21.71% | Beats 10% | 18 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 50.72% | 36.24% | 50.72% | 82.35% | 50th pctl | 10 / 20 | |
| Loans / Assets | 46.06% | 30.61% | 46.06% | 66.54% | 50th pctl | 10 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |