Together
Saint Louis, MO · Charter 62715 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
$2.7BAssets
$2.2BLoans
$2.3BShares
$263.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of credit unions $1B-$10B in assets (rank 150 of 435).
- Widest gap: equity / assets trails 78% of credit unions $1B-$10B in assets (rank 339 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.81%
Rank 218 of 435
Net Interest Margin
3.50%
Rank 179 of 435
Efficiency Ratio
72.02%
Rank 225 of 435
Equity / Assets
9.66%
Rank 339 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.55% | 0.81% | 1.14% | Beats 50% | 218 / 435 | |
| Return on Equity | 8.34% | 5.12% | 7.41% | 9.70% | Beats 61% | 169 / 435 | |
| Net Interest Margin | 3.50% | 3.01% | 3.39% | 3.75% | Beats 59% | 179 / 435 | |
| Efficiency Ratio | 72.02% | 65.25% | 71.39% | 77.86% | Beats 49% | 225 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.45% | 0.69% | 1.05% | Beats 66% | 150 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.66% | 9.81% | 10.84% | 12.63% | Beats 22% | 339 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.66% | 9.81% | 10.84% | 12.63% | Beats 22% | 339 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 93.57% | 78.33% | 88.38% | 95.61% | 68th pctl | 139 / 435 | |
| Loans / Assets | 80.53% | 67.69% | 74.58% | 80.80% | 74th pctl | 111 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |