Electro Savings
St. Louis, MO · Charter 62590 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 4 branches
Q4 2024
$192.9MAssets
$147.3MLoans
$182.4MShares
$10.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 43% of credit unions under $1B in assets (rank 974 of 1723).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1714 of 1723).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-1.02%
Rank 1,652 of 1,724
Net Interest Margin
3.47%
Rank 974 of 1,723
Efficiency Ratio
108.68%
Rank 1,633 of 1,721
Equity / Assets
5.53%
Rank 1,714 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.02% | 0.25% | 0.67% | 1.13% | Beats 4% | 1,652 / 1,724 | | |
| Return on Equity | -18.38% | 1.95% | 5.34% | 8.54% | Beats 2% | 1,688 / 1,723 | | |
| Net Interest Margin | 3.47% | 3.03% | 3.61% | 4.27% | Beats 43% | 974 / 1,723 | | |
| Efficiency Ratio | 108.68% | 69.84% | 78.36% | 87.50% | Beats 5% | 1,633 / 1,721 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.28% | 0.28% | 0.70% | 1.38% | Beats 12% | 1,516 / 1,721 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.53% | 10.16% | 12.41% | 16.03% | Beats 1% | 1,715 / 1,724 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.53% | 10.15% | 12.41% | 16.03% | Beats 1% | 1,714 / 1,723 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.73% | 55.95% | 72.66% | 85.34% | 65th pctl | 597 / 1,722 | | |
| Loans / Assets | 76.34% | 47.91% | 62.00% | 72.82% | 83rd pctl | 286 / 1,723 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |