PackageTrendsPeer
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Lutheran

Saint Louis, MO · Charter 24861

NCUA · 1 branch

Q2 2026

$38.6MAssets
$17.8MLoans
$35.1MShares
$3.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 48 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY).
  • Capital: net worth / assets of 9.02%, up 8 bps from a year ago.
  • Funding: loans stand at 50.72% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.90%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+20 bps YoY

Efficiency Ratio (quarter, annualized)

84.81%-532 bps YoY

Net Worth / Assets

9.02%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.72%0.69%0.90%0.90%+48 bps
Return on Equity4.71%7.66%7.66%10.54%9.97%+527 bps
Net Interest Margin3.54%3.70%3.55%3.54%3.74%+20 bps
Efficiency Ratio90.13%86.06%85.55%83.94%84.81%-532 bps
Growth
Asset Growth (YoY)11.66%9.79%13.59%12.65%10.28%-138 bps
Loan Growth (YoY)11.01%-0.68%0.55%-1.03%-4.40%-1,541 bps
Share Growth (YoY)12.48%10.13%14.27%12.72%10.25%-223 bps
Asset Quality
Delinquent Loans / Loans0.06%0.00%0.00%0.00%0.00%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.93%9.42%8.97%8.57%9.02%+8 bps
Net Worth / Assets8.93%9.42%8.97%8.57%9.02%+8 bps
Liquidity & Funding
Loans / Shares58.50%58.70%55.04%49.55%50.72%-777 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps