Saint Louis, MO · Charter 64723
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 in the St. Louis, MO-IL area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
48
Profitability
69
Liquidity
84
Efficiency
100
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 Louis, MO · Charter 64723
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 | 2.16% | 1.59% | 2.08% | 2.01% | 1.27% | 0.91% | 4.70% | 4.01% | +200 bps | |
| Return on Equity | 15.21% | 11.28% | 14.78% | 13.12% | 8.63% | 6.28% | 31.41% | 25.95% | +1,283 bps | |
| Net Interest Margin | 2.74% | 2.26% | 3.49% | 3.12% | 2.83% | 2.24% | 3.38% | 2.81% | -31 bps | |
| Efficiency Ratio | 41.61% | 48.02% | 41.48% | 39.67% | 40.97% | 48.18% | 45.59% | 44.89% | +522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 6.36% | 8.65% | -0.17% | 2.76% | 3.27% | 5.11% | 13.56% | +1,373 bps | |
| Loan Growth (YoY) | -4.40% | -8.91% | -9.98% | 0.58% | 20.51% | 19.99% | 26.14% | 3.41% | +283 bps | |
| Share Growth (YoY) | 2.11% | 4.85% | 9.18% | -1.62% | 2.22% | 2.79% | 4.15% | 13.47% | +1,509 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 4.36% | 1.25% | 1.02% | 0.84% | 0.84% | 0.83% | 0.82% | -20 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 | 0.71% | 0.94% | 0.91% | 0.92% | 1.35% | 1.35% | 0.32% | -0.52% | -144 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.19% | 14.10% | 14.10% | 15.32% | 14.74% | 14.57% | 14.96% | 15.46% | +14 bps | |
| Net Worth / Assets | 14.19% | 14.10% | 14.10% | 15.32% | 14.74% | 14.57% | 14.96% | 15.46% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.62% | 69.34% | 61.35% | 76.87% | 84.43% | 80.94% | 74.31% | 70.05% | -681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 64723 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 1 branch
Q2 2026
Return on Assets
3.95%
Rank 1 of 27
Net Interest Margin
2.92%
Rank 23 of 27
Efficiency Ratio
45.00%
Rank 1 of 27
Equity / Assets
15.42%
Rank 7 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.95% | 0.25% | 0.67% | 0.86% | Beats 96% | 1 / 27 | ||
| Return on Equity | 25.59% | 2.16% | 5.85% | 7.25% | Beats 96% | 1 / 26 | ||
| Net Interest Margin | 2.92% | 3.01% | 3.75% | 4.07% | Beats 15% | 23 / 27 | ||
| Efficiency Ratio | 45.00% | 71.97% | 77.45% | 89.37% | Beats 100% | 1 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.87% | 0.24% | 0.77% | 1.40% | Beats 48% | 15 / 27 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.42% | 9.38% | 10.56% | 15.42% | Beats 74% | 7 / 27 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.42% | 9.38% | 10.56% | 15.42% | Beats 74% | 7 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.04% | 56.38% | 74.82% | 87.76% | 33rd pctl | 18 / 27 | ||
| Loans / Assets | 59.14% | 50.27% | 64.80% | 77.37% | 33rd pctl | 18 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||