Washington, DC · Charter 320
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 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=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
22
Profitability
19
Liquidity
91
Efficiency
22
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.
Washington, DC · Charter 320
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.01% | 0.42% | 0.38% | 0.44% | 0.28% | 0.23% | 0.15% | -23 bps | |
| Return on Equity | -0.45% | 0.13% | 4.88% | 4.26% | 4.72% | 3.11% | 2.48% | 1.64% | -262 bps | |
| Net Interest Margin | 2.46% | 2.45% | 2.65% | 2.80% | 2.89% | 2.83% | 3.00% | 3.06% | +25 bps | |
| Efficiency Ratio | 100.17% | 97.99% | 86.60% | 88.13% | 86.28% | 87.59% | 89.43% | 91.55% | +342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.84% | -0.77% | 3.24% | 1.63% | -0.43% | 0.87% | -5.13% | -2.21% | -383 bps | |
| Loan Growth (YoY) | -5.27% | -6.72% | -7.41% | -6.00% | -5.15% | -3.56% | -2.67% | -3.87% | +213 bps | |
| Share Growth (YoY) | 0.46% | 0.47% | 3.32% | 2.37% | 2.06% | 3.01% | -2.21% | 0.57% | -180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.01% | 0.95% | 1.12% | 0.97% | 1.18% | 1.03% | 1.41% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.04% | 8.88% | 8.62% | 9.03% | 9.43% | 9.07% | 9.30% | 9.38% | +35 bps | |
| Net Worth / Assets | 9.04% | 8.88% | 8.62% | 9.03% | 9.43% | 9.07% | 9.30% | 9.38% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.66% | 78.50% | 73.00% | 75.42% | 76.81% | 73.49% | 72.66% | 72.09% | -333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Washington, DC · Charter 320 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 2 branches
Q2 2026
Return on Assets
0.15%
Rank 23 of 27
Net Interest Margin
3.06%
Rank 20 of 27
Efficiency Ratio
91.57%
Rank 22 of 27
Equity / Assets
9.38%
Rank 21 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.25% | 0.67% | 0.86% | Beats 15% | 23 / 27 | ||
| Return on Equity | 1.64% | 2.16% | 5.85% | 7.25% | Beats 15% | 22 / 26 | ||
| Net Interest Margin | 3.06% | 3.01% | 3.75% | 4.07% | Beats 26% | 20 / 27 | ||
| Efficiency Ratio | 91.57% | 71.97% | 77.45% | 89.37% | Beats 22% | 22 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.24% | 0.77% | 1.40% | Beats 22% | 22 / 27 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.38% | 9.38% | 10.56% | 15.42% | Beats 22% | 21 / 27 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.38% | 9.38% | 10.56% | 15.42% | Beats 22% | 21 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.09% | 56.38% | 74.82% | 87.76% | 37th pctl | 17 / 27 | ||
| Loans / Assets | 64.80% | 50.27% | 64.80% | 77.37% | 48th pctl | 14 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||