St. Joseph
Salida, CO · Charter 63704 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 3 branches
Q4 2025
$30.3MAssets
$13.9MLoans
$28.1MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 57% of credit unions under $1B in assets (rank 700 of 1623).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1612 of 1624).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.48%
Rank 1,590 of 1,625
Net Interest Margin
3.32%
Rank 1,166 of 1,625
Efficiency Ratio
120.98%
Rank 1,590 of 1,622
Equity / Assets
6.49%
Rank 1,612 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.48% | 0.37% | 0.76% | 1.21% | Beats 2% | 1,590 / 1,625 | | |
| Return on Equity | -22.81% | 2.80% | 6.06% | 8.96% | Beats 1% | 1,602 / 1,623 | | |
| Net Interest Margin | 3.32% | 3.25% | 3.80% | 4.36% | Beats 28% | 1,166 / 1,625 | | |
| Efficiency Ratio | 120.98% | 68.56% | 77.08% | 85.11% | Beats 2% | 1,590 / 1,622 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.28% | 0.70% | 1.35% | Beats 57% | 700 / 1,623 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.49% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,613 / 1,625 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.49% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,612 / 1,624 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.44% | 54.72% | 71.33% | 84.54% | 20th pctl | 1,307 / 1,624 | | |
| Loans / Assets | 45.91% | 46.04% | 60.45% | 71.73% | 25th pctl | 1,222 / 1,624 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |