Saint Joseph, MO · Charter 64145
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
67
Profitability
60
Liquidity
22
Efficiency
83
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.
Saint Joseph, MO · Charter 64145
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.16% | 1.25% | 0.86% | 1.22% | 1.06% | 1.20% | 1.05% | +20 bps | |
| Return on Equity | 12.17% | 12.14% | 13.11% | 8.90% | 12.48% | 10.94% | 12.30% | 10.70% | +180 bps | |
| Net Interest Margin | 3.36% | 3.35% | 3.28% | 3.42% | 3.47% | 3.35% | 3.29% | 3.30% | -12 bps | |
| Efficiency Ratio | 68.76% | 69.32% | 62.32% | 65.90% | 61.12% | 64.66% | 66.38% | 64.45% | -145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.20% | 8.21% | 5.88% | 7.35% | 4.84% | 9.24% | 9.52% | 10.33% | +299 bps | |
| Loan Growth (YoY) | 11.19% | 7.85% | 4.85% | 8.13% | 8.07% | 9.97% | 13.31% | 14.35% | +622 bps | |
| Share Growth (YoY) | 5.68% | 7.61% | 5.36% | 6.89% | 4.23% | 9.11% | 9.03% | 10.23% | +334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.31% | 0.29% | 0.27% | 0.49% | 0.55% | 0.58% | 0.38% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.27% | 9.54% | 9.52% | 9.62% | 9.77% | 9.69% | 9.79% | 9.86% | +24 bps | |
| Net Worth / Assets | 9.27% | 9.54% | 9.52% | 9.62% | 9.77% | 9.69% | 9.79% | 9.86% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.87% | 81.17% | 80.00% | 83.97% | 85.92% | 81.81% | 83.14% | 87.10% | +314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Joseph, MO · Charter 64145 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.05%
Rank 540 of 1,683
Net Interest Margin
3.30%
Rank 1,274 of 1,683
Efficiency Ratio
64.41%
Rank 279 of 1,682
Equity / Assets
9.86%
Rank 1,369 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 540 / 1,683 | ||
| Return on Equity | 10.70% | 2.67% | 5.89% | 8.74% | Beats 87% | 226 / 1,681 | ||
| Net Interest Margin | 3.30% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,274 / 1,683 | ||
| Efficiency Ratio | 64.41% | 68.91% | 78.20% | 86.93% | Beats 83% | 279 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 555 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,369 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.86% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,369 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.10% | 52.61% | 69.38% | 83.50% | 81st pctl | 317 / 1,683 | ||
| Loans / Assets | 78.54% | 44.71% | 59.18% | 70.72% | 89th pctl | 180 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||