Chesterfield, MO · Charter 64755
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
85
Asset Quality
78
Profitability
54
Liquidity
81
Efficiency
70
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.
Chesterfield, MO · Charter 64755
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 | 0.67% | 0.68% | 0.98% | 0.95% | 1.03% | 1.08% | 1.19% | 0.92% | -3 bps | |
| Return on Equity | 4.19% | 4.20% | 6.11% | 5.79% | 6.03% | 6.25% | 6.86% | 5.13% | -66 bps | |
| Net Interest Margin | 2.87% | 2.96% | 3.16% | 3.28% | 3.42% | 3.43% | 3.60% | 3.59% | +31 bps | |
| Efficiency Ratio | 79.13% | 79.30% | 71.28% | 73.36% | 70.51% | 70.55% | 66.14% | 73.40% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | -1.28% | 2.11% | 2.13% | -0.90% | 0.91% | -1.68% | -2.49% | -462 bps | |
| Loan Growth (YoY) | -5.66% | -9.10% | -6.70% | -1.88% | -1.47% | 0.87% | -1.79% | -2.37% | -48 bps | |
| Share Growth (YoY) | -1.30% | -2.23% | 1.59% | 1.52% | -2.16% | -0.19% | -5.11% | -5.94% | -745 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.01% | 0.01% | 0.07% | 0.04% | 0.04% | 0.04% | 0.24% | +18 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.04% | 16.28% | 15.96% | 16.43% | 17.13% | 17.20% | 17.31% | 17.88% | +145 bps | |
| Net Worth / Assets | 16.04% | 16.28% | 15.96% | 16.43% | 17.13% | 17.20% | 17.31% | 17.88% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.92% | 65.69% | 64.29% | 66.57% | 68.40% | 66.39% | 66.54% | 69.10% | +253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chesterfield, MO · Charter 64755 · 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
0.92%
Rank 6 of 27
Net Interest Margin
3.58%
Rank 16 of 27
Efficiency Ratio
73.67%
Rank 9 of 27
Equity / Assets
17.88%
Rank 4 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.25% | 0.67% | 0.86% | Beats 78% | 6 / 27 | ||
| Return on Equity | 5.14% | 2.16% | 5.85% | 7.25% | Beats 42% | 15 / 26 | ||
| Net Interest Margin | 3.58% | 3.01% | 3.75% | 4.07% | Beats 41% | 16 / 27 | ||
| Efficiency Ratio | 73.67% | 71.97% | 77.45% | 89.37% | Beats 70% | 9 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.77% | 1.40% | Beats 78% | 7 / 27 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.88% | 9.38% | 10.56% | 15.42% | Beats 85% | 4 / 27 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.88% | 9.38% | 10.56% | 15.42% | Beats 85% | 4 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.10% | 56.38% | 74.82% | 87.76% | 30th pctl | 19 / 27 | ||
| Loans / Assets | 55.58% | 50.27% | 64.80% | 77.37% | 30th pctl | 19 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||