West Community
O Fallon, MO · Charter 62801 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 10 branches
Q2 2026
$656.2MAssets
$513.5MLoans
$585.2MShares
$53.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 85% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 4 of 26).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 25 of 27).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.86%
Rank 7 of 27
Net Interest Margin
4.01%
Rank 8 of 27
Efficiency Ratio
77.45%
Rank 14 of 27
Equity / Assets
8.21%
Rank 25 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.25% | 0.67% | 0.86% | Beats 74% | 7 / 27 | | |
| Return on Equity | 10.43% | 2.16% | 5.85% | 7.25% | Beats 85% | 4 / 26 | | |
| Net Interest Margin | 4.01% | 3.01% | 3.75% | 4.07% | Beats 70% | 8 / 27 | | |
| Efficiency Ratio | 77.45% | 71.97% | 77.45% | 89.37% | Beats 52% | 14 / 27 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.40% | 0.24% | 0.77% | 1.40% | Beats 26% | 21 / 27 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.21% | 9.38% | 10.56% | 15.42% | Beats 7% | 25 / 27 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.21% | 9.38% | 10.56% | 15.42% | Beats 7% | 25 / 27 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.76% | 56.38% | 74.82% | 87.76% | 74th pctl | 7 / 27 | | |
| Loans / Assets | 78.25% | 50.27% | 64.80% | 77.37% | 78th pctl | 6 / 27 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |