Raymore, MO · Charter 11962
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.65% | 0.99% | 1.00% | 0.93% | 0.72% | 0.14% | 0.18% | -83 bps | |
| Return on Equity | 6.57% | 6.44% | 9.95% | 10.10% | 9.11% | 7.16% | 1.46% | 1.85% | -826 bps | |
| Net Interest Margin | 3.90% | 4.01% | 4.13% | 4.09% | 4.23% | 4.24% | 4.22% | 4.03% | -6 bps | |
| Efficiency Ratio | 81.75% | 80.95% | 73.70% | 73.09% | 75.56% | 76.67% | 89.82% | 88.56% | +1,547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | -1.11% | 3.08% | 6.02% | 4.74% | 6.54% | 6.03% | 7.31% | +129 bps | |
| Loan Growth (YoY) | 2.06% | 1.45% | 3.18% | 5.06% | 4.68% | 7.11% | 9.83% | 13.09% | +803 bps | |
| Share Growth (YoY) | -1.92% | -2.80% | 2.14% | 4.62% | 3.65% | 2.81% | 0.74% | -0.23% | -484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.79% | 0.40% | 0.65% | 0.48% | 0.78% | 0.64% | 0.58% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.80% | 10.02% | 9.99% | 9.92% | 10.16% | 10.08% | 9.89% | 9.50% | -42 bps | |
| Net Worth / Assets | 9.80% | 10.02% | 9.99% | 9.92% | 10.16% | 10.08% | 9.89% | 9.50% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.06% | 84.44% | 81.85% | 81.59% | 83.89% | 87.97% | 89.24% | 92.47% | +1,089 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |