Clayton, MO · Charter 64056
NCUA · 2 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
56
Asset Quality
41
Profitability
31
Liquidity
32
Efficiency
15
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.
Clayton, MO · Charter 64056
NCUA · 2 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 | 0.32% | 0.54% | 0.31% | -0.33% | -0.14% | -45 bps | |
| Return on Equity | 2.63% | 4.44% | 2.63% | -2.85% | -1.18% | -380 bps | |
| Net Interest Margin | 4.92% | 5.24% | 4.79% | 4.67% | 4.80% | -11 bps | |
| Efficiency Ratio | 87.81% | 83.98% | 88.67% | 93.57% | 95.85% | +804 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.85% | -0.75% | 1.23% | 2.49% | 1.94% | +10 bps | |
| Loan Growth (YoY) | -2.39% | -5.71% | -5.61% | -0.08% | 3.78% | +617 bps | |
| Share Growth (YoY) | 1.81% | -0.35% | 0.98% | 2.86% | 2.49% | +68 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 1.02% | 0.97% | 0.57% | 0.99% | -122 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 | 11.99% | 12.21% | 11.82% | 11.47% | 11.61% | -38 bps | |
| Net Worth / Assets | 11.99% | 12.21% | 11.82% | 11.47% | 11.61% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.68% | 52.02% | 53.67% | 52.28% | 54.35% | +67 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clayton, MO · Charter 64056 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.14%
Rank 25 of 27
Net Interest Margin
4.80%
Rank 5 of 27
Efficiency Ratio
95.89%
Rank 24 of 27
Equity / Assets
11.61%
Rank 12 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.25% | 0.67% | 0.86% | Beats 7% | 25 / 27 | |
| Return on Equity | -1.20% | 2.16% | 5.85% | 7.25% | Beats 4% | 25 / 26 | |
| Net Interest Margin | 4.80% | 3.01% | 3.75% | 4.07% | Beats 81% | 5 / 27 | |
| Efficiency Ratio | 95.89% | 71.97% | 77.45% | 89.37% | Beats 15% | 24 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.99% | 0.24% | 0.77% | 1.40% | Beats 41% | 17 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.61% | 9.38% | 10.56% | 15.42% | Beats 56% | 12 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.61% | 9.38% | 10.56% | 15.42% | Beats 56% | 12 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.35% | 56.38% | 74.82% | 87.76% | 15th pctl | 23 / 27 | |
| Loans / Assets | 47.51% | 50.27% | 64.80% | 77.37% | 19th pctl | 22 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||