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St. Louis Policemen`s

Saint Louis, MO · Charter 64425

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Louis Policemen`s

Saint Louis, MO · Charter 64425

NCUA · 1 branch

Q2 2026

$20.1MAssets
$8.1MLoans
$16.3MShares
$3.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.48%, up 35 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 2.17% of loans (-18 bps YoY).
  • Capital: net worth / assets of 18.68%, up 165 bps from a year ago.
  • Funding: loans stand at 49.81% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+48 bps YoY

Efficiency Ratio (YTD, annualized)

82.22%-465 bps YoY

Net Worth / Assets

18.68%+165 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.24%0.44%0.34%0.48%+35 bps
Return on Equity0.76%1.40%2.40%1.88%2.55%+178 bps
Net Interest Margin2.63%2.76%2.98%3.03%3.11%+48 bps
Efficiency Ratio86.87%85.15%81.66%86.37%82.22%-465 bps
Growth
Asset Growth (YoY)0.81%-1.70%0.00%-3.72%-6.19%-700 bps
Loan Growth (YoY)1.70%1.44%0.46%-3.92%-0.77%-247 bps
Share Growth (YoY)0.51%-2.47%-0.74%-5.42%-8.63%-914 bps
Asset Quality
Delinquent Loans / Loans2.35%1.71%1.63%1.68%2.17%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.03%17.28%18.19%18.17%18.68%+165 bps
Net Worth / Assets17.03%17.28%18.19%18.17%18.68%+165 bps
Liquidity & Funding
Loans / Shares45.86%48.31%50.65%48.27%49.81%+395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

St. Louis Policemen`s

Saint Louis, MO · Charter 64425 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 1 branch

Q2 2026

$20.1MAssets
$8.1MLoans
$16.3MShares
$3.8MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 72% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 17 of 60).
  • Widest gap: net interest margin trails 83% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 50 of 60).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.48%

Rank 36 of 60

Net Interest Margin

3.11%

Rank 50 of 60

Efficiency Ratio

82.15%

Rank 35 of 60

Equity / Assets

18.69%

Rank 17 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.02%0.62%0.99%Beats 40%36 / 60
Return on Equity2.56%0.12%4.17%8.32%Beats 37%38 / 60
Net Interest Margin3.11%3.36%3.95%4.45%Beats 17%50 / 60
Efficiency Ratio82.15%70.09%78.52%92.77%Beats 43%35 / 60
Asset Quality
Nonperforming Loans / Loans2.17%0.25%0.82%1.91%Beats 23%47 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.69%11.15%14.35%19.86%Beats 72%17 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.69%11.15%14.35%19.86%Beats 72%17 / 60
Liquidity & Funding
Loans / Deposits49.82%51.31%60.45%81.20%23rd pctl46 / 60
Loans / Assets40.36%41.11%52.43%68.66%22nd pctl47 / 60
Brokered Deposits / Depositsn/aNot reported for this institution