Saint Louis, MO · Charter 60435
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
81
Asset Quality
70
Profitability
56
Liquidity
98
Efficiency
89
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 60435
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 | 1.32% | 1.31% | 1.53% | 1.57% | 1.66% | 1.41% | 0.97% | 1.03% | -54 bps | |
| Return on Equity | 7.37% | 7.23% | 8.59% | 8.83% | 9.22% | 7.86% | 5.52% | 5.85% | -298 bps | |
| Net Interest Margin | 3.32% | 3.31% | 3.23% | 3.27% | 3.31% | 3.23% | 3.25% | 3.26% | -1 bps | |
| Efficiency Ratio | 62.62% | 62.79% | 58.63% | 57.48% | 57.91% | 62.08% | 70.17% | 69.47% | +1,200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | 7.14% | 9.30% | 8.76% | 9.30% | 10.00% | 8.99% | 8.36% | -40 bps | |
| Loan Growth (YoY) | 10.20% | 6.36% | 13.58% | 14.21% | 16.65% | 20.22% | 13.36% | 14.99% | +78 bps | |
| Share Growth (YoY) | 2.39% | 7.01% | 9.50% | 8.70% | 9.31% | 10.27% | 9.32% | 8.67% | -2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.59% | 0.25% | 0.29% | 0.25% | 0.75% | 0.40% | 0.37% | +8 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 | 17.96% | 18.17% | 17.78% | 17.79% | 17.97% | 17.93% | 17.57% | 17.55% | -25 bps | |
| Net Worth / Assets | 17.96% | 18.17% | 17.78% | 17.79% | 17.97% | 17.93% | 17.57% | 17.55% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.32% | 68.70% | 70.55% | 71.07% | 72.90% | 74.89% | 73.16% | 75.21% | +413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 60435 · 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
1.03%
Rank 4 of 27
Net Interest Margin
3.26%
Rank 18 of 27
Efficiency Ratio
69.48%
Rank 4 of 27
Equity / Assets
17.55%
Rank 5 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.25% | 0.67% | 0.86% | Beats 85% | 4 / 27 | ||
| Return on Equity | 5.85% | 2.16% | 5.85% | 7.25% | Beats 50% | 13 / 26 | ||
| Net Interest Margin | 3.26% | 3.01% | 3.75% | 4.07% | Beats 33% | 18 / 27 | ||
| Efficiency Ratio | 69.48% | 71.97% | 77.45% | 89.37% | Beats 89% | 4 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.24% | 0.77% | 1.40% | Beats 70% | 9 / 27 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.55% | 9.38% | 10.56% | 15.42% | Beats 81% | 5 / 27 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.55% | 9.38% | 10.56% | 15.42% | Beats 81% | 5 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.21% | 56.38% | 74.82% | 87.76% | 52nd pctl | 13 / 27 | ||
| Loans / Assets | 61.65% | 50.27% | 64.80% | 77.37% | 41st pctl | 16 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||