ST. JOSEPH TEACHERS'
Charter #67708 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
ST. JOSEPH TEACHERS' has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 0.84% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,124
-2.0% YoY+0.8% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
31st in tier |
| Assets |
$8.7M
+2.6% YoY-1.1% QoQ
|
$-21.1M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
30th in tier |
| Loans |
$3.1M
-10.1% YoY-1.8% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 24.6% in tier |
| Deposits |
$7.8M
+1.2% YoY-1.7% QoQ
|
$-17.7M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
31st in tier |
| ROA |
1.1%
+63.2% YoY-5.8% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
68th in tier |
| NIM |
4.8%
+14.6% YoY+1.4% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 19.0% in tier |
| Efficiency Ratio |
74.8%
-5.0% YoY+1.6% QoQ
|
-6.6% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.3%
+25.0% YoY+282.1% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
30th in tier |
| Loan To Share |
39.8%
-11.2% YoY-0.2% QoQ
|
-21.4% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 18.9% in tier |
| AMR |
$9,682
-0.3% YoY-2.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
27th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
493
Net Interest Margin (NIM)
profitability
Value:
4.77%
Peer Avg: 3.93%
#493 of 2596
Top 19.0% in <100M tier
Top Weaknesses (7 metrics)
2125
Net Charge-Off Rate
risk
Value:
0.83%
Peer Avg: 0.57%
#2125 of 2596
Bottom 18.2% in <100M tier
2102
Loan-to-Share Ratio
balance_sheet
Value:
39.80%
Peer Avg: 61.23%
#2102 of 2596
Bottom 19.1% in <100M tier
2083
Net Worth Ratio
risk
Value:
10.39%
Peer Avg: 16.43%
#2083 of 2596
Bottom 19.8% in <100M tier
2050
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,757
Peer Avg: $5,488
#2050 of 2596
Bottom 21.1% in <100M tier
2049
Loan Growth Rate
growth
Value:
-10.13%
Peer Avg: 59.01%
#2049 of 2596
Bottom 21.1% in <100M tier
2019
Fee Income Per Member
profitability
Value:
$14.12
Peer Avg: $182.96
#2019 of 2596
Bottom 22.3% in <100M tier
1958
Total Loans
balance_sheet
Value:
$3.10M
Peer Avg: $15.77M
#1958 of 2596
Bottom 24.6% in <100M tier