ST. JOSEPH TEACHERS'
Charter #67708 · SAINT JOSEPH, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.15% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.15% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 75.14% ranks in the 21st 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 | ST. JOSEPH TEACHERS' | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.68M | 92th pct | 49th pct |
| Members | 1,090 | 86th pct | 49th pct |
| Net worth ratio | 10.69% | 17th pct | 26th pct |
| Return on average assets | 1.15% | 76th pct | 87th pct |
| Net interest margin | 5.15% | 81th pct | 97th pct |
| Cost of funds | 0.07% | 18th pct | 13th pct |
| Loan-to-share | 35.52% | 25th pct | 41th pct |
| Delinquency 60+ days | 0.19% | 33th pct | 30th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -8.41% | 34th pct | 41th pct |
| Share growth YoY | 2.65% | 69th pct | 59th pct |
| Efficiency ratio | 75.14% | 31th pct | 21th pct |
structural peer set hash: a235f80a257ddab6169ce542d39c6574… (reproducible)
Closest structural peers
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Claim ST. JOSEPH TEACHERS'
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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.