St. Augustine Credit Union
Total assets
$1.5M
▲ +1.1% YoY
Shares & deposits
$1.3M
▲ +0.3% YoY
Loans
$1.2M
▼ -0.8% YoY
Members
426
▲ +0.2% YoY
ROA (annualized)
0.65%
peers 0.60%
ROE (annualized)
4.54%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
Profile
- Established
- 1933
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- Po Box 6, Kelso, MO, 63758
- NCUA charter #
- 67750
- RSSD ID
- 159298
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $1.3M | $1.2M | $219K | $2K | 0.65% | 2.65% | 0.00% | 426 |
| Q4 2025 | $1.5M | $1.3M | $1.3M | $216K | $14K | 0.93% | 2.57% | 0.00% | 426 |
| Q3 2025 | $1.5M | $1.3M | $1.2M | $213K | $10K | 0.93% | 2.62% | 0.00% | 427 |
| Q2 2025 | $1.5M | $1.3M | $1.3M | $209K | $6K | 0.86% | 2.52% | 0.00% | 426 |
| Q1 2025 | $1.5M | $1.3M | $1.2M | $206K | $3K | 0.92% | 2.48% | 0.00% | 425 |
| Q4 2024 | $1.7M | $1.5M | $1.2M | $202K | $16K | 0.95% | 2.36% | 0.00% | 461 |
| Q3 2024 | $1.6M | $1.4M | $1.4M | $199K | $11K | 0.91% | 2.45% | 0.00% | 460 |
| Q2 2024 | $1.6M | $1.4M | $1.4M | $195K | $7K | 0.88% | 2.41% | 0.00% | 458 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $4K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.83% | 10th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 81.5% | 37th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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