Saint Joseph, MO · Charter 67801
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
34
Profitability
29
Liquidity
0
Efficiency
26
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 Joseph, MO · Charter 67801
NCUA · 1 branch
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 | 1.07% | 0.87% | 0.80% | 0.73% | -0.05% | -112 bps | |
| Return on Equity | 7.83% | 6.29% | 5.67% | 5.26% | -0.37% | -820 bps | |
| Net Interest Margin | 4.58% | 4.56% | 4.58% | 4.10% | 4.14% | -44 bps | |
| Efficiency Ratio | 78.14% | 77.03% | 78.60% | 87.07% | 86.62% | +848 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.34% | -5.17% | -5.18% | -0.81% | 0.68% | +202 bps | |
| Loan Growth (YoY) | -11.92% | -11.72% | -5.07% | -6.45% | -4.51% | +742 bps | |
| Share Growth (YoY) | -2.81% | -7.06% | -7.02% | -1.36% | 0.22% | +302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.85% | 0.72% | 0.30% | 0.96% | +26 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 | 13.65% | 13.77% | 14.13% | 13.95% | 13.78% | +13 bps | |
| Net Worth / Assets | 13.65% | 13.77% | 14.13% | 13.95% | 13.78% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.56% | 36.02% | 37.63% | 34.13% | 33.88% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Joseph, MO · Charter 67801 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.05%
Rank 1,500 of 1,683
Net Interest Margin
4.13%
Rank 570 of 1,683
Efficiency Ratio
86.65%
Rank 1,250 of 1,682
Equity / Assets
13.79%
Rank 704 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,500 / 1,683 | |
| Return on Equity | -0.34% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,498 / 1,681 | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 570 / 1,683 | |
| Efficiency Ratio | 86.65% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,250 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.97% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,110 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.79% | 10.44% | 12.89% | 16.53% | Beats 58% | 704 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.79% | 10.44% | 12.89% | 16.53% | Beats 58% | 704 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.88% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,565 / 1,683 | |
| Loans / Assets | 29.14% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,566 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||