Fenton, MO · Charter 63789
NCUA · 6 branches
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 in the St. Louis, MO-IL area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
59
Profitability
46
Liquidity
0
Efficiency
56
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.
Fenton, MO · Charter 63789
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.75% | 0.73% | 0.65% | 0.68% | -14 bps | |
| Return on Equity | 6.73% | 6.49% | 6.38% | 5.93% | 6.07% | -66 bps | |
| Net Interest Margin | 3.21% | 3.04% | 3.04% | 2.89% | 2.97% | -25 bps | |
| Efficiency Ratio | 76.15% | 77.29% | 77.35% | 74.73% | 77.12% | +97 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.70% | 4.82% | 6.67% | 12.51% | 14.17% | +1,687 bps | |
| Loan Growth (YoY) | -2.47% | -2.55% | -0.43% | -0.41% | 4.42% | +689 bps | |
| Share Growth (YoY) | -2.73% | 0.15% | 6.95% | 12.62% | 13.01% | +1,574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.61% | 1.14% | 0.53% | 0.69% | +19 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.19% | 11.60% | 11.48% | 11.03% | 11.18% | -101 bps | |
| Net Worth / Assets | 12.19% | 11.60% | 11.48% | 11.03% | 11.18% | -101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 115.34% | 112.65% | 111.79% | 103.30% | 106.57% | -877 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fenton, MO · Charter 63789 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 6 branches
Q2 2026
Return on Assets
0.68%
Rank 12 of 27
Net Interest Margin
2.97%
Rank 22 of 27
Efficiency Ratio
77.12%
Rank 13 of 27
Equity / Assets
11.18%
Rank 13 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.25% | 0.67% | 0.86% | Beats 56% | 12 / 27 | |
| Return on Equity | 6.07% | 2.16% | 5.85% | 7.25% | Beats 62% | 10 / 26 | |
| Net Interest Margin | 2.97% | 3.01% | 3.75% | 4.07% | Beats 19% | 22 / 27 | |
| Efficiency Ratio | 77.12% | 71.97% | 77.45% | 89.37% | Beats 56% | 13 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.24% | 0.77% | 1.40% | Beats 59% | 12 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.18% | 9.38% | 10.56% | 15.42% | Beats 52% | 13 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.18% | 9.38% | 10.56% | 15.42% | Beats 52% | 13 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.57% | 56.38% | 74.82% | 87.76% | 93rd pctl | 2 / 27 | |
| Loans / Assets | 81.62% | 50.27% | 64.80% | 77.37% | 89th pctl | 3 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||