Goetz
St Joseph, MO · Charter 63606 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$89.6MAssets
$53.2MLoans
$75.4MShares
$14.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 72% of credit unions under $1B in assets (rank 476 of 1683).
- Widest gap: efficiency ratio trails 58% of credit unions under $1B in assets (rank 978 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |