Saint Louis, MO · Charter 60435
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.66% | 1.41% | 0.97% | 1.03% | -54 bps | |
| Return on Equity | 8.83% | 9.22% | 7.86% | 5.52% | 5.85% | -298 bps | |
| Net Interest Margin | 3.27% | 3.31% | 3.23% | 3.25% | 3.26% | -1 bps | |
| Efficiency Ratio | 57.48% | 57.91% | 62.08% | 70.17% | 69.47% | +1,200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.76% | 9.30% | 10.00% | 8.99% | 8.36% | -40 bps | |
| Loan Growth (YoY) | 14.21% | 16.65% | 20.22% | 13.36% | 14.99% | +78 bps | |
| Share Growth (YoY) | 8.70% | 9.31% | 10.27% | 9.32% | 8.67% | -2 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.79% | 17.97% | 17.93% | 17.57% | 17.55% | -25 bps | |
| Net Worth / Assets | 17.79% | 17.97% | 17.93% | 17.57% | 17.55% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |