De Soto MO Pac
De Soto, MO · Charter 63507 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 1 branch
Q2 2026
$30.5MAssets
$20.5MLoans
$27.4MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 74% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 8 of 27).
- Widest gap: net interest margin trails 93% 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 2 of 7 directional measures.
Return on Assets
0.58%
Rank 15 of 27
Net Interest Margin
2.56%
Rank 25 of 27
Efficiency Ratio
72.03%
Rank 8 of 27
Equity / Assets
9.74%
Rank 18 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.25% | 0.67% | 0.86% | Beats 44% | 15 / 27 | |
| Return on Equity | 5.92% | 2.16% | 5.85% | 7.25% | Beats 54% | 12 / 26 | |
| Net Interest Margin | 2.56% | 3.01% | 3.75% | 4.07% | Beats 7% | 25 / 27 | |
| Efficiency Ratio | 72.03% | 71.97% | 77.45% | 89.37% | Beats 74% | 8 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.24% | 0.77% | 1.40% | Beats 30% | 20 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 9.38% | 10.56% | 15.42% | Beats 33% | 18 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.74% | 9.38% | 10.56% | 15.42% | Beats 33% | 18 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 74.82% | 56.38% | 74.82% | 87.76% | 48th pctl | 14 / 27 | |
| Loans / Assets | 67.28% | 50.27% | 64.80% | 77.37% | 52nd pctl | 13 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |