ST. LOUIS COMMUNITY
Charter #60400 · Saint Louis, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 50,924 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.09% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.73% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.53% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.33% sits at the 98th percentile of structural peers — worth a closer look.
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 | ST. LOUIS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $442.93M | 95th pct | 84th pct |
| Members | 50,924 | 100th pct | 98th pct |
| Net worth ratio | 15.09% | 86th pct | 85th pct |
| Return on average assets | 0.49% | 35th pct | 26th pct |
| Net interest margin | 3.73% | 55th pct | 82th pct |
| Cost of funds | 1.24% | 52th pct | 59th pct |
| Loan-to-share | 54.47% | 17th pct | 21th pct |
| Delinquency 60+ days | 2.53% | 97th pct | 98th pct |
| Net charge-off ratio | 1.33% | 95th pct | 98th pct |
| Loan growth YoY | -1.20% | 34th pct | 33th pct |
| Share growth YoY | 3.30% | 47th pct | 41th pct |
| Efficiency ratio | 82.92% | 66th pct | 74th pct |
structural peer set hash: 4ca8e8410620c91d73f3908078b9dd3f… (reproducible)
Closest structural peers
This is the free public view
Claim ST. LOUIS COMMUNITY
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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.