County
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
$25.9MAssets
$12.3MLoans
$22.7MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 81% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 5 of 27).
- Widest gap: return on equity trails 96% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 25 of 26).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |