St. Thomas
Charlotte Amali, VI · Charter 7970 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$90.0MAssets
$39.7MLoans
$70.3MShares
$21.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets (rank 101 of 1683).
- Widest gap: return on equity trails 77% of credit unions under $1B in assets (rank 1288 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.60%
Rank 1,015 of 1,683
Net Interest Margin
5.26%
Rank 101 of 1,683
Efficiency Ratio
73.16%
Rank 599 of 1,682
Equity / Assets
23.49%
Rank 127 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,015 / 1,683 | |
| Return on Equity | 2.53% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,288 / 1,681 | |
| Net Interest Margin | 5.26% | 3.31% | 3.82% | 4.32% | Beats 94% | 101 / 1,683 | |
| Efficiency Ratio | 73.16% | 68.91% | 78.20% | 86.93% | Beats 64% | 599 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,038 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.49% | 10.44% | 12.89% | 16.53% | Beats 92% | 127 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.49% | 10.44% | 12.89% | 16.53% | Beats 92% | 127 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 56.50% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,174 / 1,683 | |
| Loans / Assets | 44.11% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,275 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |