ST. AUGUSTINE
Charter #67750 · Kelso, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 426 sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.68% sits at the 10th 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 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 15th — a 23-point gap showing why the peer definition matters.
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. AUGUSTINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.54M | 24th pct | 7th pct |
| Members | 426 | 37th pct | 15th pct |
| Net worth ratio | 14.22% | 33th pct | 41th pct |
| Return on average assets | 0.65% | 59th pct | 57th pct |
| Net interest margin | 2.68% | 15th pct | 10th pct |
| Cost of funds | 1.69% | 83th pct | 69th pct |
| Loan-to-share | 93.01% | 89th pct | 85th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -1.86% | 66th pct | 52th pct |
| Share growth YoY | 4.70% | 80th pct | 75th pct |
| Efficiency ratio | 76.22% | 33th pct | 33th pct |
structural peer set hash: 2022935df976f817ca213be91506b724… (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.