Co. - Lib
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
$1.4MAssets
$809KLoans
$1.2MShares
$211KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 1 of 27).
- Widest gap: net interest margin trails 85% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 23 of 27).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |