Health Care Family
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
$75.2MAssets
$54.1MLoans
$62.9MShares
$11.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 6 of 27).
- Widest gap: nonperforming loans / loans trails 89% 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 3 of 7 directional measures.
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 |