Saint Louis, MO · Charter 67770
NCUA · 2 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
37
Asset Quality
74
Profitability
63
Liquidity
94
Efficiency
48
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.
Saint Louis, MO · Charter 67770
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.95% | 1.05% | 1.07% | 1.03% | 0.99% | 0.67% | 0.80% | -27 bps | |
| Return on Equity | 9.86% | 10.14% | 11.04% | 11.13% | 10.53% | 10.24% | 6.96% | 8.23% | -290 bps | |
| Net Interest Margin | 3.17% | 3.18% | 3.43% | 3.38% | 3.41% | 3.34% | 3.52% | 3.48% | +10 bps | |
| Efficiency Ratio | 75.63% | 74.74% | 75.59% | 73.66% | 73.71% | 73.76% | 81.90% | 77.77% | +411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.28% | 10.85% | 10.21% | 5.07% | 6.62% | 7.20% | 8.15% | 7.99% | +291 bps | |
| Loan Growth (YoY) | -2.23% | 2.86% | 5.56% | 2.98% | 6.36% | 7.18% | 11.07% | 15.05% | +1,206 bps | |
| Share Growth (YoY) | 8.91% | 11.40% | 10.97% | 5.06% | 6.06% | 7.53% | 8.40% | 8.28% | +322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 0.04% | 0.04% | 0.22% | 0.37% | 0.36% | 0.21% | 0.24% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.30% | 9.33% | 9.53% | 9.62% | 9.75% | 9.68% | 9.70% | 9.76% | +14 bps | |
| Net Worth / Assets | 9.30% | 9.33% | 9.53% | 9.62% | 9.75% | 9.68% | 9.70% | 9.76% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.45% | 70.42% | 71.09% | 68.71% | 69.64% | 70.20% | 72.83% | 73.00% | +429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Louis, MO · Charter 67770 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 2 branches
Q2 2026
Return on Assets
0.80%
Rank 8 of 27
Net Interest Margin
3.48%
Rank 17 of 27
Efficiency Ratio
77.74%
Rank 15 of 27
Equity / Assets
9.76%
Rank 17 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.25% | 0.67% | 0.86% | Beats 70% | 8 / 27 | ||
| Return on Equity | 8.23% | 2.16% | 5.85% | 7.25% | Beats 81% | 5 / 26 | ||
| Net Interest Margin | 3.48% | 3.01% | 3.75% | 4.07% | Beats 37% | 17 / 27 | ||
| Efficiency Ratio | 77.74% | 71.97% | 77.45% | 89.37% | Beats 48% | 15 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.77% | 1.40% | Beats 74% | 8 / 27 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.76% | 9.38% | 10.56% | 15.42% | Beats 37% | 17 / 27 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.76% | 9.38% | 10.56% | 15.42% | Beats 37% | 17 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.00% | 56.38% | 74.82% | 87.76% | 41st pctl | 16 / 27 | ||
| Loans / Assets | 64.54% | 50.27% | 64.80% | 77.37% | 44th pctl | 15 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||