St. Louis Community
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
$445.0MAssets
$207.0MLoans
$374.7MShares
$66.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 70% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 8 of 27).
- Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 27 of 27).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |