PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Joseph

Salida, CO · Charter 63704

NCUA · 3 branches

Q4 2025

$30.3MAssets
$13.9MLoans
$28.1MShares
$2.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.48%, down 159 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.59% of loans (-64 bps YoY).
  • Capital: net worth / assets of 6.49%, down 156 bps from a year ago.
  • Funding: loans stand at 49.44% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.48%-159 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-16 bps YoY

Efficiency Ratio (YTD, annualized)

121.03%+3,161 bps YoY

Net Worth / Assets

6.49%-156 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.11%-1.76%-0.77%-0.45%-1.48%-159 bps
Return on Equity1.42%-24.22%-10.35%-6.20%-22.79%-2,421 bps
Net Interest Margin3.48%3.19%3.24%3.22%3.32%-16 bps
Efficiency Ratio89.42%98.05%96.15%96.33%121.03%+3,161 bps
Growth
Asset Growth (YoY)-8.86%-2.82%-5.01%-1.47%0.41%+927 bps
Loan Growth (YoY)-8.03%-12.15%-12.04%-9.76%-9.56%-153 bps
Share Growth (YoY)-9.68%-3.12%-5.34%-1.35%1.50%+1,117 bps
Asset Quality
Delinquent Loans / Loans1.23%0.46%1.47%0.40%0.59%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.05%7.25%7.40%7.33%6.49%-156 bps
Net Worth / Assets8.05%7.25%7.40%7.33%6.49%-156 bps
Liquidity & Funding
Loans / Shares55.49%50.58%52.38%49.49%49.44%-604 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps