F R B
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
$123.4MAssets
$80.0MLoans
$110.9MShares
$11.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 26% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 20 of 27).
- Widest gap: return on equity trails 85% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 22 of 26).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 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 |