Saint Louis, MO · Charter 62716
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
30
Asset Quality
52
Profitability
41
Liquidity
26
Efficiency
33
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 62716
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.33% | -0.12% | 0.27% | 0.30% | -3 bps | |
| Return on Equity | 3.11% | 3.10% | -1.17% | 2.83% | 3.22% | +11 bps | |
| Net Interest Margin | 4.06% | 4.11% | 4.14% | 4.11% | 4.00% | -5 bps | |
| Efficiency Ratio | 81.42% | 82.33% | 86.45% | 84.31% | 84.40% | +299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.38% | 3.39% | 5.80% | 6.12% | 10.40% | +903 bps | |
| Loan Growth (YoY) | 4.77% | 7.71% | 13.44% | 12.37% | 15.84% | +1,108 bps | |
| Share Growth (YoY) | 0.70% | 2.51% | 7.13% | 7.36% | 10.75% | +1,005 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.40% | 1.55% | 0.68% | 0.76% | 0.77% | -63 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 | 10.62% | 10.66% | 10.08% | 9.65% | 9.43% | -119 bps | |
| Net Worth / Assets | 10.62% | 10.66% | 10.08% | 9.65% | 9.43% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.75% | 86.86% | 89.92% | 86.52% | 88.64% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 62716 · 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
0.30%
Rank 19 of 27
Net Interest Margin
4.00%
Rank 9 of 27
Efficiency Ratio
84.42%
Rank 19 of 27
Equity / Assets
9.43%
Rank 19 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.25% | 0.67% | 0.86% | Beats 30% | 19 / 27 | |
| Return on Equity | 3.22% | 2.16% | 5.85% | 7.25% | Beats 27% | 19 / 26 | |
| Net Interest Margin | 4.00% | 3.01% | 3.75% | 4.07% | Beats 67% | 9 / 27 | |
| Efficiency Ratio | 84.42% | 71.97% | 77.45% | 89.37% | Beats 33% | 19 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.24% | 0.77% | 1.40% | Beats 52% | 14 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.43% | 9.38% | 10.56% | 15.42% | Beats 30% | 19 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.43% | 9.38% | 10.56% | 15.42% | Beats 30% | 19 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.64% | 56.38% | 74.82% | 87.76% | 78th pctl | 6 / 27 | |
| Loans / Assets | 79.29% | 50.27% | 64.80% | 77.37% | 81st pctl | 5 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||