St. James Parish

Cincinnati, OH · 2 · Charter #62624 · WWW.STJPCU.COM
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.0M
29th percentile
Members
808
30th percentile
Total loans
$3.7M
35th percentile
Total shares
$4.3M
27th percentile

Profitability

Return on assets
0.66%
43th percentile
Net interest margin
4.39%
65th percentile
Efficiency ratio
56.85%
72th percentile
Non-interest income ratio
2.39%
21th percentile

Capital & Risk

Net worth ratio
20.94%
77th percentile
Delinquency rate
0.46%
59th percentile
Net charge-off rate
0.13%
58th percentile
Loan-to-share
85.00%
83th percentile

Growth

Member growth YoY
1.76%
82th percentile
Asset growth YoY
1.07%
50th percentile
Loan growth YoY
7.34%
85th percentile
Share growth YoY
-8.12%
12th percentile

Operations

Members / branch
808
38th percentile
Assets / member
$7,372
34th percentile
Field of membership penetration
47.39%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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