St. Joseph Teachers'

SAINT JOSEPH, MO · 2 · Charter #67708 · WWW.SJTCREDITUNION.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
$8.7M
38th percentile
Members
1,085
39th percentile
Total loans
$3.0M
31th percentile
Total shares
$7.8M
40th percentile

Profitability

Return on assets
0.97%
58th percentile
Net interest margin
4.78%
78th percentile
Efficiency ratio
77.28%
29th percentile
Non-interest income ratio
3.50%
26th percentile

Capital & Risk

Net worth ratio
10.49%
19th percentile
Delinquency rate
1.41%
32th percentile
Net charge-off rate
0.21%
50th percentile
Loan-to-share
37.89%
19th percentile

Growth

Member growth YoY
-3.13%
32th percentile
Asset growth YoY
3.04%
63th percentile
Loan growth YoY
-11.23%
20th percentile
Share growth YoY
2.07%
59th percentile

Operations

Members / branch
1,085
50th percentile
Assets / member
$8,061
40th percentile
Field of membership penetration
36.17%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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