Members 1st
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
$76.5MAssets
$49.3MLoans
$67.6MShares
$7.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 5 of 26).
- Widest gap: equity / assets trails 63% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 17 of 27).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |