St Joe Valley
St Maries, ID · Charter 97066 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$14.0MAssets
$6.7MLoans
$12.3MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 116 of 1681).
- Widest gap: equity / assets trails 63% of credit unions under $1B in assets (rank 1058 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.44%
Rank 272 of 1,683
Net Interest Margin
4.40%
Rank 380 of 1,683
Efficiency Ratio
67.95%
Rank 394 of 1,682
Equity / Assets
11.63%
Rank 1,058 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.35% | 0.74% | 1.18% | Beats 84% | 272 / 1,683 | | |
| Return on Equity | 12.40% | 2.67% | 5.89% | 8.74% | Beats 93% | 116 / 1,681 | | |
| Net Interest Margin | 4.40% | 3.31% | 3.82% | 4.32% | Beats 77% | 380 / 1,683 | | |
| Efficiency Ratio | 67.95% | 68.91% | 78.20% | 86.93% | Beats 77% | 394 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 773 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,058 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,058 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.30% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,229 / 1,683 | | |
| Loans / Assets | 47.71% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,178 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |