West Side Baptist Church

Saint Louis, MO · 1 · Charter #21683
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
$379.0K
3th percentile
Members
328
11th percentile
Total loans
$34.4K
2th percentile
Total shares
$318.3K
3th percentile

Profitability

Return on assets
1.19%
67th percentile
Net interest margin
3.85%
45th percentile
Efficiency ratio
52.19%
80th percentile
Non-interest income ratio
2.47%
21th percentile

Capital & Risk

Net worth ratio
14.52%
47th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
6.49%
1th percentile
Loan-to-share
10.82%
2th percentile

Growth

Member growth YoY
-5.75%
14th percentile
Asset growth YoY
-4.92%
17th percentile
Loan growth YoY
-17.78%
8th percentile
Share growth YoY
-7.88%
12th percentile

Operations

Members / branch
328
15th percentile
Assets / member
$1,155
2th percentile
Field of membership penetration
65.60%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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