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Letter portraitLegal landscapeQuarterYTD

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