PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Louis Newspaper Carriers

Fenton, MO · Charter 63055

NCUA · 1 branch

Q2 2026

$20.1MAssets
$17.6MLoans
$18.8MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of -0.04%, up 40 bps year over year; NIM at 0.79%.
  • Asset quality: problem loans at 0.01% of loans (-11 bps YoY).
  • Capital: net worth / assets of 6.54%, down 47 bps from a year ago.
  • Funding: loans stand at 93.56% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.04%+40 bps YoY

Net Interest Margin (quarter, annualized)

0.79%+40 bps YoY

Efficiency Ratio (quarter, annualized)

104.79%-10,804 bps YoY

Net Worth / Assets

6.54%-47 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.66%-0.62%-0.54%-0.44%-0.41%-0.36%-0.09%-0.04%+40 bps
Return on Equity-8.83%-8.67%-7.75%-6.30%-5.95%-5.30%-1.40%-0.58%+572 bps
Net Interest Margin0.24%0.23%0.32%0.39%0.42%0.48%0.78%0.79%+40 bps
Efficiency Ratio371%369%272%213%195.70%176.03%111.95%104.79%-10,804 bps
Growth
Asset Growth (YoY)-13.00%-8.88%-4.64%-3.29%1.99%-0.95%1.96%4.66%+795 bps
Loan Growth (YoY)-11.18%-7.97%-4.64%-5.14%-5.27%-2.01%-4.59%5.81%+1,095 bps
Share Growth (YoY)-14.56%-8.96%-5.16%-3.01%4.03%-0.64%3.19%5.16%+817 bps
Asset Quality
Delinquent Loans / Loans0.05%0.32%0.12%0.12%0.03%0.02%0.16%0.01%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.42%7.14%7.01%7.00%6.84%6.85%6.63%6.54%-47 bps
Net Worth / Assets7.42%7.14%7.01%7.00%6.84%6.85%6.63%6.54%-47 bps
Liquidity & Funding
Loans / Shares98.06%93.49%95.86%92.99%89.29%92.20%88.63%93.56%+58 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps