Saint Louis, MO · Charter 62905
NCUA · 8 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
59
Asset Quality
33
Profitability
60
Liquidity
45
Efficiency
59
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 62905
NCUA · 8 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% | 0.22% | 0.25% | 0.69% | 0.72% | +40 bps | |
| Return on Equity | 2.71% | 1.84% | 2.09% | 5.81% | 6.01% | +330 bps | |
| Net Interest Margin | 3.66% | 3.65% | 3.77% | 3.86% | 3.90% | +24 bps | |
| Efficiency Ratio | 80.48% | 79.86% | 78.71% | 75.69% | 75.85% | -463 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.86% | 8.66% | 5.27% | 5.09% | 3.57% | -330 bps | |
| Loan Growth (YoY) | 11.78% | 14.82% | 9.59% | 3.60% | 1.42% | -1,035 bps | |
| Share Growth (YoY) | 8.07% | 9.41% | 5.45% | 5.06% | 3.26% | -481 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.40% | 1.34% | 1.22% | 1.18% | 1.22% | -18 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 | 12.10% | 11.82% | 11.94% | 11.88% | 12.04% | -5 bps | |
| Net Worth / Assets | 12.10% | 11.82% | 11.94% | 11.88% | 12.04% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.73% | 86.53% | 88.60% | 84.88% | 85.18% | -154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 62905 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 8 branches
Q2 2026
Return on Assets
0.72%
Rank 10 of 27
Net Interest Margin
3.90%
Rank 11 of 27
Efficiency Ratio
75.85%
Rank 12 of 27
Equity / Assets
12.05%
Rank 11 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.25% | 0.67% | 0.86% | Beats 63% | 10 / 27 | |
| Return on Equity | 6.01% | 2.16% | 5.85% | 7.25% | Beats 58% | 11 / 26 | |
| Net Interest Margin | 3.90% | 3.01% | 3.75% | 4.07% | Beats 59% | 11 / 27 | |
| Efficiency Ratio | 75.85% | 71.97% | 77.45% | 89.37% | Beats 59% | 12 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.22% | 0.24% | 0.77% | 1.40% | Beats 33% | 19 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.04% | 9.38% | 10.56% | 15.42% | Beats 59% | 11 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.05% | 9.38% | 10.56% | 15.42% | Beats 59% | 11 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.18% | 56.38% | 74.82% | 87.76% | 67th pctl | 9 / 27 | |
| Loans / Assets | 74.78% | 50.27% | 64.80% | 77.37% | 70th pctl | 8 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||