St. Mary
Walsenburg, CO · Charter 65636 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 1 branch
Q4 2025
$7.9MAssets
$3.7MLoans
$6.5MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 80% of credit unions under $1B in assets (rank 333 of 1625).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets (rank 1585 of 1622).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.49%
Rank 1,529 of 1,625
Net Interest Margin
2.73%
Rank 1,470 of 1,625
Efficiency Ratio
117.57%
Rank 1,585 of 1,622
Equity / Assets
17.69%
Rank 333 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.49% | 0.37% | 0.76% | 1.21% | Beats 6% | 1,529 / 1,625 | | |
| Return on Equity | -2.79% | 2.80% | 6.06% | 8.96% | Beats 6% | 1,518 / 1,623 | | |
| Net Interest Margin | 2.73% | 3.25% | 3.80% | 4.36% | Beats 10% | 1,470 / 1,625 | | |
| Efficiency Ratio | 117.57% | 68.56% | 77.08% | 85.11% | Beats 2% | 1,585 / 1,622 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.66% | 0.28% | 0.70% | 1.35% | Beats 10% | 1,466 / 1,623 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.70% | 10.44% | 12.79% | 16.54% | Beats 80% | 333 / 1,625 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.69% | 10.44% | 12.79% | 16.54% | Beats 79% | 333 / 1,624 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.68% | 54.72% | 71.33% | 84.54% | 28th pctl | 1,175 / 1,624 | | |
| Loans / Assets | 46.62% | 46.04% | 60.45% | 71.73% | 26th pctl | 1,204 / 1,624 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |