Arnold, MO · Charter 67195
NCUA · 4 branches
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
19
Asset Quality
37
Profitability
56
Liquidity
76
Efficiency
63
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.
Arnold, MO · Charter 67195
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.24% | 0.28% | 0.45% | 0.51% | +23 bps | |
| Return on Equity | 3.68% | 3.04% | 3.47% | 5.24% | 5.76% | +208 bps | |
| Net Interest Margin | 3.83% | 4.06% | 4.34% | 4.75% | 4.86% | +103 bps | |
| Efficiency Ratio | 79.53% | 79.31% | 76.55% | 76.83% | 75.39% | -414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.26% | 1.21% | -2.57% | -6.94% | -10.23% | -1,448 bps | |
| Loan Growth (YoY) | 0.49% | -0.86% | 0.42% | -0.83% | -3.48% | -397 bps | |
| Share Growth (YoY) | 7.45% | 3.56% | -1.49% | -8.51% | -11.63% | -1,908 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.05% | 2.20% | 2.33% | 1.65% | 1.10% | -94 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.62% | 7.73% | 8.18% | 8.53% | 8.84% | +122 bps | |
| Net Worth / Assets | 7.62% | 7.73% | 8.18% | 8.53% | 8.84% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.62% | 75.24% | 78.05% | 80.25% | 79.32% | +670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Arnold, MO · Charter 67195 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 4 branches
Q2 2026
Return on Assets
0.51%
Rank 17 of 27
Net Interest Margin
4.86%
Rank 4 of 27
Efficiency Ratio
75.39%
Rank 11 of 27
Equity / Assets
8.84%
Rank 22 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.25% | 0.67% | 0.86% | Beats 37% | 17 / 27 | |
| Return on Equity | 5.76% | 2.16% | 5.85% | 7.25% | Beats 46% | 14 / 26 | |
| Net Interest Margin | 4.86% | 3.01% | 3.75% | 4.07% | Beats 85% | 4 / 27 | |
| Efficiency Ratio | 75.39% | 71.97% | 77.45% | 89.37% | Beats 63% | 11 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.10% | 0.24% | 0.77% | 1.40% | Beats 37% | 18 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.84% | 9.38% | 10.56% | 15.42% | Beats 19% | 22 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.84% | 9.38% | 10.56% | 15.42% | Beats 19% | 22 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.32% | 56.38% | 74.82% | 87.76% | 56th pctl | 12 / 27 | |
| Loans / Assets | 72.49% | 50.27% | 64.80% | 77.37% | 67th pctl | 9 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||