Patriot
Saint Louis, MO · Charter 64856 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 1 branch
Q2 2026
$16.4MAssets
$12.7MLoans
$15.0MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 78% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 7 of 27).
- Widest gap: equity / assets trails 89% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 24 of 27).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.67%
Rank 14 of 27
Net Interest Margin
3.85%
Rank 12 of 27
Efficiency Ratio
71.97%
Rank 7 of 27
Equity / Assets
8.36%
Rank 24 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.25% | 0.67% | 0.86% | Beats 48% | 14 / 27 | |
| Return on Equity | 8.05% | 2.16% | 5.85% | 7.25% | Beats 77% | 6 / 26 | |
| Net Interest Margin | 3.85% | 3.01% | 3.75% | 4.07% | Beats 56% | 12 / 27 | |
| Efficiency Ratio | 71.97% | 71.97% | 77.45% | 89.37% | Beats 78% | 7 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.24% | 0.77% | 1.40% | Beats 56% | 13 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.36% | 9.38% | 10.56% | 15.42% | Beats 11% | 24 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.36% | 9.38% | 10.56% | 15.42% | Beats 11% | 24 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 84.52% | 56.38% | 74.82% | 87.76% | 63rd pctl | 10 / 27 | |
| Loans / Assets | 77.37% | 50.27% | 64.80% | 77.37% | 74th pctl | 7 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |