Saint Louis, MO · Charter 63249
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
78
Asset Quality
11
Profitability
41
Liquidity
40
Efficiency
37
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 63249
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 | 0.87% | 0.85% | 0.95% | 0.63% | 0.54% | -32 bps | |
| Return on Equity | 5.76% | 5.54% | 5.88% | 4.03% | 3.44% | -232 bps | |
| Net Interest Margin | 3.77% | 3.83% | 3.98% | 3.79% | 3.79% | +2 bps | |
| Efficiency Ratio | 77.63% | 77.77% | 76.73% | 79.02% | 82.79% | +516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | 0.53% | -4.43% | -1.15% | -0.28% | -138 bps | |
| Loan Growth (YoY) | 1.90% | 2.19% | 2.78% | 2.32% | 1.65% | -25 bps | |
| Share Growth (YoY) | 2.13% | 0.43% | -2.24% | -2.26% | -1.05% | -318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 2.29% | 2.48% | 2.07% | 2.42% | +10 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 | 15.03% | 15.28% | 16.07% | 15.74% | 15.80% | +77 bps | |
| Net Worth / Assets | 15.03% | 15.28% | 16.07% | 15.74% | 15.80% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.68% | 86.02% | 88.96% | 85.63% | 85.97% | +229 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 63249 · 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
0.54%
Rank 16 of 27
Net Interest Margin
3.79%
Rank 13 of 27
Efficiency Ratio
82.81%
Rank 18 of 27
Equity / Assets
15.80%
Rank 6 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.25% | 0.67% | 0.86% | Beats 41% | 16 / 27 | |
| Return on Equity | 3.43% | 2.16% | 5.85% | 7.25% | Beats 31% | 18 / 26 | |
| Net Interest Margin | 3.79% | 3.01% | 3.75% | 4.07% | Beats 52% | 13 / 27 | |
| Efficiency Ratio | 82.81% | 71.97% | 77.45% | 89.37% | Beats 37% | 18 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.42% | 0.24% | 0.77% | 1.40% | Beats 11% | 25 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.80% | 9.38% | 10.56% | 15.42% | Beats 78% | 6 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.80% | 9.38% | 10.56% | 15.42% | Beats 78% | 6 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.97% | 56.38% | 74.82% | 87.76% | 70th pctl | 8 / 27 | |
| Loans / Assets | 71.90% | 50.27% | 64.80% | 77.37% | 63rd pctl | 10 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||