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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

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.

Return on Assets (quarter, annualized)

0.48%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.11%+48 bps YoY

Efficiency Ratio (quarter, annualized)

82.22%-465 bps YoY

Net Worth / Assets

18.68%+165 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.15%0.00%0.13%0.24%0.44%0.34%0.48%+35 bps
Return on Equity0.04%0.86%0.03%0.76%1.40%2.40%1.88%2.55%+178 bps
Net Interest Margin2.54%2.72%2.62%2.63%2.76%2.98%3.03%3.11%+48 bps
Efficiency Ratio87.02%85.66%81.69%86.87%85.15%81.66%86.37%82.22%-465 bps
Growth
Asset Growth (YoY)-4.36%-5.25%-3.57%0.81%-1.70%0.00%-3.72%-6.19%-700 bps
Loan Growth (YoY)8.82%10.24%7.73%1.70%1.44%0.46%-3.92%-0.77%-247 bps
Share Growth (YoY)-5.68%-6.64%-4.41%0.51%-2.47%-0.74%-5.42%-8.63%-914 bps
Asset Quality
Delinquent Loans / Loans1.56%2.07%0.96%2.35%1.71%1.63%1.68%2.17%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.66%17.84%17.08%17.03%17.28%18.19%18.17%18.68%+165 bps
Net Worth / Assets16.66%17.84%17.08%17.03%17.28%18.19%18.17%18.68%+165 bps
Liquidity & Funding
Loans / Shares46.45%50.04%47.52%45.86%48.31%50.65%48.27%49.81%+395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps