OUR LADY OF SNOWS

Charter #67715 | MO

<100M (2596 CUs) Micro
60 <100M in MO

OUR LADY OF SNOWS demonstrates 6 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.01% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 859
-0.5% YoY0% QoQ
 -1.8K 2,625
-2.2% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Bottom 24.6% in tier
Assets $4.2M
+2.1% YoY-0.4% QoQ
 $-25.6M $29.9M
+1.1% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 16.9% in tier
Loans $2.5M
-5.7% YoY-3.4% QoQ
 $-13.3M $15.8M
-2.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Bottom 20.7% in tier
Deposits $3.6M
+1.2% YoY-1.0% QoQ
 $-21.9M $25.5M
+0.4% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Bottom 18.0% in tier
ROA 1.7%
+11.8% YoY-9.4% QoQ
 +1.0% 0.7%
-731.4% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 Top 14.7% in tier
NIM 3.9%
+8.7% YoY-2.7% QoQ
 -0.0% 3.9%
+3.8% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 51st in tier
Efficiency Ratio 57.1%
-4.0% YoY+6.0% QoQ
 -24.3% 81.4%
-2.4% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 Bottom 11.2% in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 69.9%
-6.8% YoY-2.4% QoQ
 +8.6% 61.2%
-3.0% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $7,058
-1.3% YoY-2.0% QoQ
 $-8K $14,627
-2.7% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 Bottom 15.1% 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)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
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
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier
292
Efficiency Ratio
profitability
Value: 57.08%
Peer Avg: 81.39%
#292 of 2596 Top 11.2% in <100M tier
381
Return on Assets (ROA)
profitability
Value: 1.70%
Peer Avg: 0.68%
#381 of 2596 Top 14.6% in <100M tier

Top Weaknesses (8 metrics)

2330
Fee Income Per Member
profitability
Value: $2.26
Peer Avg: $182.96
#2330 of 2596 Bottom 10.3% in <100M tier
2294
Members Per Employee (MPE)
engagement
Value: 171.800
Peer Avg: 365.701
#2294 of 2596 Bottom 11.7% in <100M tier
2204
Average Member Relationship (AMR)
engagement
Value: $7,058
Peer Avg: $14,627
#2204 of 2596 Bottom 15.1% in <100M tier
2157
Total Assets
balance_sheet
Value: $4.25M
Peer Avg: $29.86M
#2157 of 2596 Bottom 16.9% in <100M tier
2130
Total Deposits
balance_sheet
Value: $3.57M
Peer Avg: $25.45M
#2130 of 2596 Bottom 18.0% in <100M tier
2058
Total Loans
balance_sheet
Value: $2.49M
Peer Avg: $15.77M
#2058 of 2596 Bottom 20.8% in <100M tier
2016
Loan-to-Member Ratio (LMR)
engagement
Value: $2,903
Peer Avg: $5,488
#2016 of 2596 Bottom 22.4% in <100M tier
1955
Total Members
engagement
Value: 859
Peer Avg: 2,626
#1955 of 2596 Bottom 24.7% in <100M tier