St Joseph, MO · Charter 63606
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
59
Profitability
60
Liquidity
95
Efficiency
42
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.
St Joseph, MO · Charter 63606
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.62% | 1.41% | 1.19% | 1.32% | 1.41% | 1.21% | 0.91% | 0.95% | -38 bps | |
| Return on Equity | 10.94% | 9.39% | 8.19% | 8.78% | 9.12% | 7.79% | 5.99% | 6.02% | -275 bps | |
| Net Interest Margin | 4.33% | 4.34% | 4.06% | 4.21% | 4.29% | 4.26% | 4.04% | 4.13% | -8 bps | |
| Efficiency Ratio | 70.31% | 72.77% | 73.11% | 75.54% | 74.51% | 76.43% | 79.92% | 81.00% | +547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.04% | 4.04% | 5.10% | 5.13% | 4.06% | 5.23% | 3.02% | 2.59% | -255 bps | |
| Loan Growth (YoY) | -14.23% | -12.33% | -8.09% | -4.13% | -1.04% | 2.07% | -0.50% | -1.27% | +286 bps | |
| Share Growth (YoY) | 0.58% | 2.86% | 3.49% | 4.53% | 2.40% | 4.41% | 2.95% | 1.60% | -293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.59% | 0.57% | 0.24% | 0.64% | 0.35% | 0.58% | 0.50% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.81% | 15.00% | 14.52% | 15.08% | 15.52% | 15.50% | 15.24% | 15.71% | +63 bps | |
| Net Worth / Assets | 14.81% | 15.00% | 14.52% | 15.08% | 15.52% | 15.50% | 15.24% | 15.71% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.35% | 74.68% | 70.98% | 72.59% | 73.78% | 73.01% | 68.60% | 70.54% | -205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
St Joseph, MO · Charter 63606 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.95%
Rank 636 of 1,683
Net Interest Margin
4.13%
Rank 572 of 1,683
Efficiency Ratio
81.00%
Rank 978 of 1,682
Equity / Assets
15.71%
Rank 476 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.35% | 0.74% | 1.18% | Beats 62% | 636 / 1,683 | ||
| Return on Equity | 6.02% | 2.67% | 5.89% | 8.74% | Beats 51% | 818 / 1,681 | ||
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 572 / 1,683 | ||
| Efficiency Ratio | 81.00% | 68.91% | 78.20% | 86.93% | Beats 42% | 978 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 693 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.71% | 10.44% | 12.89% | 16.53% | Beats 72% | 476 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.71% | 10.44% | 12.89% | 16.53% | Beats 72% | 476 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.54% | 52.61% | 69.38% | 83.50% | 52nd pctl | 811 / 1,683 | ||
| Loans / Assets | 59.35% | 44.71% | 59.18% | 70.72% | 50th pctl | 837 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||