Fenton, MO · Charter 63055
NCUA · 1 branch
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
4
Asset Quality
89
Profitability
6
Liquidity
0
Efficiency
11
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.
Fenton, MO · Charter 63055
NCUA · 1 branch
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 | -0.44% | -0.41% | -0.36% | -0.09% | -0.04% | +40 bps | |
| Return on Equity | -6.30% | -5.95% | -5.30% | -1.40% | -0.58% | +572 bps | |
| Net Interest Margin | 0.39% | 0.42% | 0.48% | 0.78% | 0.79% | +40 bps | |
| Efficiency Ratio | 213% | 195.70% | 176.03% | 111.95% | 104.79% | -10,804 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.29% | 1.99% | -0.95% | 1.96% | 4.66% | +795 bps | |
| Loan Growth (YoY) | -5.14% | -5.27% | -2.01% | -4.59% | 5.81% | +1,095 bps | |
| Share Growth (YoY) | -3.01% | 4.03% | -0.64% | 3.19% | 5.16% | +817 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.03% | 0.02% | 0.16% | 0.01% | -11 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 | 7.00% | 6.84% | 6.85% | 6.63% | 6.54% | -47 bps | |
| Net Worth / Assets | 7.00% | 6.84% | 6.85% | 6.63% | 6.54% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.99% | 89.29% | 92.20% | 88.63% | 93.56% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fenton, MO · Charter 63055 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.04%
Rank 24 of 27
Net Interest Margin
0.79%
Rank 27 of 27
Efficiency Ratio
105.06%
Rank 25 of 27
Equity / Assets
6.54%
Rank 26 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.25% | 0.67% | 0.86% | Beats 11% | 24 / 27 | |
| Return on Equity | -0.61% | 2.16% | 5.85% | 7.25% | Beats 8% | 24 / 26 | |
| Net Interest Margin | 0.79% | 3.01% | 3.75% | 4.07% | Beats 0% | 27 / 27 | |
| Efficiency Ratio | 105.06% | 71.97% | 77.45% | 89.37% | Beats 11% | 25 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.24% | 0.77% | 1.40% | Beats 89% | 4 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 6.54% | 9.38% | 10.56% | 15.42% | Beats 4% | 26 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 6.54% | 9.38% | 10.56% | 15.42% | Beats 4% | 26 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.57% | 56.38% | 74.82% | 87.76% | 89th pctl | 3 / 27 | |
| Loans / Assets | 87.39% | 50.27% | 64.80% | 77.37% | 96th pctl | 1 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||