St. Joseph Teachers'
Saint Joseph, MO · Charter 67708 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.7MAssets
$2.8MLoans
$8.0MShares
$948KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets (rank 160 of 1683).
- Widest gap: equity / assets trails 70% of credit unions under $1B in assets (rank 1172 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.10%
Rank 496 of 1,683
Net Interest Margin
4.92%
Rank 160 of 1,683
Efficiency Ratio
78.13%
Rank 835 of 1,682
Equity / Assets
10.91%
Rank 1,172 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.35% | 0.74% | 1.18% | Beats 71% | 496 / 1,683 | |
| Return on Equity | 10.13% | 2.67% | 5.89% | 8.74% | Beats 84% | 274 / 1,681 | |
| Net Interest Margin | 4.92% | 3.31% | 3.82% | 4.32% | Beats 90% | 160 / 1,683 | |
| Efficiency Ratio | 78.13% | 68.91% | 78.20% | 86.93% | Beats 50% | 835 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 455 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.91% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,172 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.91% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,172 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 34.49% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,561 / 1,683 | |
| Loans / Assets | 31.67% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,526 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |