PackageTrendsPeer
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St. Jude

Chicago, IL · Charter 65484

NCUA · 1 branch

Q4 2025

$297KAssets
$6KLoans
$195KShares
$102KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 7.55%, up 653 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 34.43%, up 471 bps from a year ago.
  • Funding: loans stand at 3.20% of shares as of Q4 2025.

Financial Results

Return on Assets (quarter, annualized)

7.55%+653 bps YoY

Net Interest Margin (quarter, annualized)

2.07%-146 bps YoY

Efficiency Ratio (quarter, annualized)

31.22%-3,995 bps YoY

Net Worth / Assets

34.43%+471 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.02%0.52%18.85%13.03%7.55%+653 bps
Return on Equity3.43%1.77%51.08%34.31%21.92%+1,849 bps
Net Interest Margin3.53%3.51%2.83%3.01%2.07%-146 bps
Efficiency Ratio71.16%85.30%10.30%15.71%31.22%-3,995 bps
Growth
Asset Growth (YoY)-27.50%-25.65%-4.20%11.85%18.48%+4,598 bps
Loan Growth (YoY)-30.59%-29.27%-31.48%-44.83%-39.77%-918 bps
Share Growth (YoY)-36.06%-33.36%-20.46%-1.69%10.55%+4,661 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans263%299%34.61%40.81%45.16%-21,783 bps
Capital
Risk-Based Capital29.73%29.11%36.90%37.97%34.43%+471 bps
Net Worth / Assets29.73%29.11%36.90%37.97%34.43%+471 bps
Liquidity & Funding
Loans / Shares5.88%5.01%4.28%3.93%3.20%-268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps