Lovers Lane
Saint Joseph, MO · Charter 64208 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$7.8MAssets
$6.7MLoans
$6.6MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 75% of credit unions under $1B in assets (rank 417 of 1682).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets (rank 1661 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |