Saint Joseph, MO · Charter 64208
NCUA · 1 branch
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
59
Asset Quality
9
Profitability
13
Liquidity
0
Efficiency
75
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 64208
NCUA · 1 branch
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 | 0.26% | 0.13% | -2.62% | -1.90% | -1.66% | -1.21% | 1.96% | 0.26% | +216 bps | |
| Return on Equity | 1.84% | 0.92% | -19.30% | -13.58% | -12.03% | -8.74% | 14.12% | 1.85% | +1,544 bps | |
| Net Interest Margin | 3.92% | 3.87% | 3.19% | 3.72% | 3.72% | 3.79% | 3.75% | 1.87% | -185 bps | |
| Efficiency Ratio | 64.32% | 70.81% | 77.59% | 69.96% | 66.86% | 74.81% | 47.80% | 68.80% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | -1.17% | -1.62% | -4.68% | -6.27% | -4.92% | -2.29% | 3.79% | +846 bps | |
| Loan Growth (YoY) | -8.31% | -7.14% | -3.37% | 0.40% | 5.94% | 1.28% | -2.23% | -3.80% | -419 bps | |
| Share Growth (YoY) | 1.63% | -1.93% | -1.66% | -4.84% | -6.11% | -4.35% | -2.74% | 4.11% | +894 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.86% | 2.69% | 6.37% | 5.33% | 5.98% | 3.46% | 2.94% | 2.78% | -255 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 | 1.17% | 1.21% | 2.11% | 2.28% | 2.86% | 1.13% | 0.88% | 1.42% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.20% | 14.26% | 13.57% | 13.98% | 13.83% | 13.79% | 13.88% | 13.85% | -14 bps | |
| Net Worth / Assets | 14.20% | 14.26% | 13.57% | 13.98% | 13.83% | 13.79% | 13.88% | 13.85% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.93% | 99.60% | 101.83% | 109.10% | 111.62% | 105.46% | 102.37% | 100.82% | -828 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 64208 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.26%
Rank 1,344 of 1,683
Net Interest Margin
1.87%
Rank 1,661 of 1,683
Efficiency Ratio
68.83%
Rank 417 of 1,682
Equity / Assets
13.84%
Rank 695 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,344 / 1,683 | ||
| Return on Equity | 1.85% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,358 / 1,681 | ||
| Net Interest Margin | 1.87% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,661 / 1,683 | ||
| Efficiency Ratio | 68.83% | 68.91% | 78.20% | 86.93% | Beats 75% | 417 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.78% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,538 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.84% | 10.44% | 12.89% | 16.53% | Beats 59% | 695 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.84% | 10.44% | 12.89% | 16.53% | Beats 59% | 695 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.82% | 52.61% | 69.38% | 83.50% | 97th pctl | 53 / 1,683 | ||
| Loans / Assets | 85.40% | 44.71% | 59.18% | 70.72% | 98th pctl | 37 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||