St. Paul A.M.E. Zion Church
Cleveland, OH · Charter 96787 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
$214KAssets
$22KLoans
$161KShares
$51KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 134 of 1757).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1743 of 1754).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-3.12%
Rank 1,733 of 1,761
Net Interest Margin
3.74%
Rank 774 of 1,761
Efficiency Ratio
183.33%
Rank 1,743 of 1,754
Equity / Assets
23.83%
Rank 121 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.12% | 0.26% | 0.70% | 1.22% | Beats 2% | 1,733 / 1,761 | | |
| Return on Equity | -13.07% | 2.09% | 5.52% | 9.08% | Beats 3% | 1,705 / 1,761 | | |
| Net Interest Margin | 3.74% | 3.03% | 3.59% | 4.25% | Beats 56% | 774 / 1,761 | | |
| Efficiency Ratio | 183.33% | 68.95% | 77.94% | 87.14% | Beats 1% | 1,743 / 1,754 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.27% | Beats 100% | 134 / 1,757 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.66% | 10.05% | 12.42% | 15.87% | Beats 93% | 123 / 1,761 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.83% | 10.05% | 12.42% | 15.87% | Beats 93% | 121 / 1,761 | | |
| Liquidity & Funding |
| Loans / Deposits | 13.40% | 56.21% | 73.13% | 85.64% | 1st pctl | 1,748 / 1,759 | | |
| Loans / Assets | 10.28% | 47.85% | 62.48% | 73.19% | 1st pctl | 1,749 / 1,761 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |