Saint Louis, MO · Charter 60400
NCUA · 14 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
70
Asset Quality
4
Profitability
31
Liquidity
35
Efficiency
44
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 60400
NCUA · 14 branches
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.37% | 0.41% | 0.49% | 0.26% | -17 bps | |
| Return on Equity | 2.84% | 2.38% | 2.67% | 3.21% | 1.75% | -109 bps | |
| Net Interest Margin | 3.91% | 4.02% | 3.97% | 3.68% | 3.75% | -15 bps | |
| Efficiency Ratio | 79.10% | 80.15% | 78.88% | 82.92% | 81.48% | +238 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.67% | 2.06% | 5.45% | 2.64% | 2.63% | -104 bps | |
| Loan Growth (YoY) | -5.04% | -3.89% | -2.13% | -2.60% | 0.58% | +563 bps | |
| Share Growth (YoY) | 4.03% | 1.74% | 4.71% | 1.74% | 0.94% | -309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 2.57% | 4.02% | 2.53% | 5.79% | +415 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 | 15.09% | 15.37% | 15.35% | 15.09% | 15.03% | -7 bps | |
| Net Worth / Assets | 15.09% | 15.37% | 15.35% | 15.09% | 15.03% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.44% | 56.95% | 56.65% | 54.47% | 55.24% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 60400 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 14 branches
Q2 2026
Return on Assets
0.26%
Rank 20 of 27
Net Interest Margin
3.75%
Rank 14 of 27
Efficiency Ratio
81.48%
Rank 16 of 27
Equity / Assets
15.03%
Rank 8 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.25% | 0.67% | 0.86% | Beats 26% | 20 / 27 | |
| Return on Equity | 1.75% | 2.16% | 5.85% | 7.25% | Beats 19% | 21 / 26 | |
| Net Interest Margin | 3.75% | 3.01% | 3.75% | 4.07% | Beats 48% | 14 / 27 | |
| Efficiency Ratio | 81.48% | 71.97% | 77.45% | 89.37% | Beats 44% | 16 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.79% | 0.24% | 0.77% | 1.40% | Beats 4% | 27 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.03% | 9.38% | 10.56% | 15.42% | Beats 70% | 8 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.03% | 9.38% | 10.56% | 15.42% | Beats 70% | 8 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.24% | 56.38% | 74.82% | 87.76% | 19th pctl | 22 / 27 | |
| Loans / Assets | 46.51% | 50.27% | 64.80% | 77.37% | 15th pctl | 23 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||