PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Thomas

Charlotte Amali, VI · Charter 7970

NCUA · 2 branches

Q2 2026

$90.0MAssets
$39.7MLoans
$70.3MShares
$21.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.60%, up 105 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 0.89% of loans (+21 bps YoY).
  • Capital: net worth / assets of 23.49%, up 23 bps from a year ago.
  • Funding: loans stand at 56.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+105 bps YoY

Net Interest Margin (YTD, annualized)

5.26%+28 bps YoY

Efficiency Ratio (YTD, annualized)

73.17%-2,478 bps YoY

Net Worth / Assets

23.49%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.45%-0.04%0.02%1.09%0.60%+105 bps
Return on Equity-1.94%-0.19%0.07%4.58%2.54%+448 bps
Net Interest Margin4.98%5.01%5.06%5.26%5.26%+28 bps
Efficiency Ratio97.95%84.58%84.57%71.98%73.17%-2,478 bps
Growth
Asset Growth (YoY)2.23%1.29%2.85%0.71%1.05%-118 bps
Loan Growth (YoY)4.35%2.77%4.38%3.05%2.85%-150 bps
Share Growth (YoY)1.09%1.46%0.66%0.28%0.76%-34 bps
Asset Quality
Delinquent Loans / Loans0.68%0.42%0.94%1.15%0.89%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.26%23.30%23.37%23.71%23.49%+23 bps
Net Worth / Assets23.26%23.30%23.37%23.71%23.49%+23 bps
Liquidity & Funding
Loans / Shares55.35%54.53%57.68%56.64%56.50%+115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps