St. James Parish
Cincinnati, OH · Charter 62624 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
$5.9MAssets
$4.1MLoans
$4.4MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 2 of 26).
- Widest gap: return on equity trails 58% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 15 of 26).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.29%
Rank 8 of 26
Net Interest Margin
4.62%
Rank 8 of 26
Efficiency Ratio
71.83%
Rank 8 of 26
Equity / Assets
21.83%
Rank 1 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.41% | 0.79% | 1.34% | Beats 69% | 8 / 26 | |
| Return on Equity | 5.91% | 3.53% | 6.04% | 8.49% | Beats 42% | 15 / 26 | |
| Net Interest Margin | 4.62% | 3.25% | 4.11% | 4.64% | Beats 69% | 8 / 26 | |
| Efficiency Ratio | 71.83% | 71.52% | 75.99% | 84.12% | Beats 73% | 8 / 26 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.40% | 1.09% | 2.09% | Beats 100% | 2 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.83% | 10.31% | 12.73% | 15.29% | Beats 96% | 1 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.83% | 10.31% | 12.73% | 15.29% | Beats 96% | 1 / 26 | |
| Liquidity & Funding |
| Loans / Deposits | 92.45% | 51.92% | 65.22% | 76.21% | 92nd pctl | 2 / 26 | |
| Loans / Assets | 69.23% | 44.32% | 54.77% | 68.75% | 77th pctl | 6 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |