PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Louis Community

Saint Louis, MO · Charter 60400

NCUA · 14 branches

Q2 2026

$445.0MAssets
$207.0MLoans
$374.7MShares
$66.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.26%, down 17 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 5.79% of loans (+415 bps YoY).
  • Capital: net worth / assets of 15.03%, down 7 bps from a year ago.
  • Funding: loans stand at 55.24% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.26%-17 bps YoY

Net Interest Margin (quarter, annualized)

3.75%-15 bps YoY

Efficiency Ratio (quarter, annualized)

81.48%+238 bps YoY

Net Worth / Assets

15.03%-7 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.57%0.05%0.43%0.37%0.41%0.49%0.26%-17 bps
Return on Equity3.66%3.61%0.32%2.84%2.38%2.67%3.21%1.75%-109 bps
Net Interest Margin3.80%3.91%3.65%3.91%4.02%3.97%3.68%3.75%-15 bps
Efficiency Ratio79.17%78.22%81.22%79.10%80.15%78.88%82.92%81.48%+238 bps
Growth
Asset Growth (YoY)2.94%3.06%6.05%3.67%2.06%5.45%2.64%2.63%-104 bps
Loan Growth (YoY)-4.30%-5.87%-4.04%-5.04%-3.89%-2.13%-2.60%0.58%+563 bps
Share Growth (YoY)0.65%1.96%5.47%4.03%1.74%4.71%1.74%0.94%-309 bps
Asset Quality
Delinquent Loans / Loans2.36%2.21%1.85%1.64%2.57%4.02%2.53%5.79%+415 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.27%15.76%14.96%15.09%15.37%15.35%15.09%15.03%-7 bps
Net Worth / Assets15.27%15.76%14.96%15.09%15.37%15.35%15.09%15.03%-7 bps
Liquidity & Funding
Loans / Shares60.28%60.61%56.89%55.44%56.95%56.65%54.47%55.24%-20 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps