Proctor & Gamble St. Louis Emp.
St. Louis, MO · Charter 67796 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
$784KAssets
$531KLoans
$665KShares
$118KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets (rank 49 of 1761).
- Widest gap: nonperforming loans / loans trails 100% of credit unions under $1B in assets (rank 1750 of 1757).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-7.99%
Rank 1,752 of 1,761
Net Interest Margin
6.12%
Rank 49 of 1,761
Efficiency Ratio
108.11%
Rank 1,665 of 1,754
Equity / Assets
15.05%
Rank 521 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -7.99% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,752 / 1,761 | |
| Return on Equity | -53.11% | 2.09% | 5.52% | 9.08% | Beats 1% | 1,743 / 1,761 | |
| Net Interest Margin | 6.12% | 3.03% | 3.59% | 4.25% | Beats 97% | 49 / 1,761 | |
| Efficiency Ratio | 108.11% | 68.95% | 77.94% | 87.14% | Beats 5% | 1,665 / 1,754 | |
| Asset Quality |
| Nonperforming Loans / Loans | 11.86% | 0.26% | 0.65% | 1.27% | Beats 0% | 1,750 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 10.05% | 12.42% | 15.87% | Beats 70% | 520 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.05% | 10.05% | 12.42% | 15.87% | Beats 70% | 521 / 1,761 | |
| Liquidity & Funding |
| Loans / Deposits | 79.85% | 56.21% | 73.13% | 85.64% | 62nd pctl | 666 / 1,759 | |
| Loans / Assets | 67.73% | 47.85% | 62.48% | 73.19% | 62nd pctl | 674 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |