Saint Charles, MO · Charter 67804
NCUA · 14 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
62
Profitability
41
Liquidity
66
Efficiency
7
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 Charles, MO · Charter 67804
NCUA · 14 branches
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 | 0.35% | 0.58% | 0.56% | 0.00% | 0.35% | 0 bps | |
| Return on Equity | 4.54% | 7.35% | 7.04% | -0.06% | 4.42% | -12 bps | |
| Net Interest Margin | 3.87% | 4.00% | 4.12% | 4.06% | 4.10% | +24 bps | |
| Efficiency Ratio | 85.18% | 80.38% | 81.17% | 90.61% | 85.38% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | -0.07% | 2.93% | 3.41% | 4.23% | +643 bps | |
| Loan Growth (YoY) | -1.51% | 1.81% | 4.36% | 6.01% | 5.53% | +704 bps | |
| Share Growth (YoY) | 3.38% | 5.44% | 5.85% | 4.20% | 3.99% | +60 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.67% | 0.80% | 0.66% | 0.59% | -15 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 | 7.63% | 7.92% | 7.99% | 7.78% | 7.83% | +20 bps | |
| Net Worth / Assets | 7.63% | 7.92% | 7.99% | 7.78% | 7.83% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.11% | 82.24% | 83.77% | 81.08% | 80.28% | +117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Charles, MO · Charter 67804 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.35%
Rank 382 of 435
Net Interest Margin
4.10%
Rank 39 of 435
Efficiency Ratio
85.38%
Rank 407 of 435
Equity / Assets
7.83%
Rank 427 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.55% | 0.81% | 1.14% | Beats 12% | 382 / 435 | |
| Return on Equity | 4.42% | 5.12% | 7.41% | 9.70% | Beats 20% | 349 / 435 | |
| Net Interest Margin | 4.10% | 3.01% | 3.39% | 3.75% | Beats 91% | 39 / 435 | |
| Efficiency Ratio | 85.38% | 65.25% | 71.39% | 77.86% | Beats 7% | 407 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.45% | 0.69% | 1.05% | Beats 62% | 168 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.83% | 9.81% | 10.84% | 12.63% | Beats 2% | 427 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.83% | 9.81% | 10.84% | 12.63% | Beats 2% | 427 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.28% | 78.33% | 88.38% | 95.61% | 30th pctl | 304 / 435 | |
| Loans / Assets | 72.69% | 67.69% | 74.58% | 80.80% | 42nd pctl | 253 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||