WEST SIDE BAPTIST CHURCH
Charter #21683 · saint louis, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 5.28% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 18.19% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.44% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -4.66% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WEST SIDE BAPTIST CHURCH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 387,990 | 8th pct | 44th pct |
| Members | 332 | 27th pct | 66th pct |
| Net worth ratio | 14.33% | 34th pct | 34th pct |
| Return on average assets | 5.28% | 99th pct | 97th pct |
| Net interest margin | 18.19% | 100th pct | 98th pct |
| Cost of funds | 0.44% | 46th pct | 80th pct |
| Loan-to-share | 9.43% | 5th pct | 33th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -4.66% | 1th pct | 2th pct |
| Loan growth YoY | -13.79% | 16th pct | 41th pct |
| Share growth YoY | 0.79% | 55th pct | 57th pct |
| Efficiency ratio | 58.67% | 14th pct | 31th pct |
structural peer set hash: b459e30116469318a04e88dde79b8dde… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.