Rolla, MO · Charter 12890
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
29
Profitability
80
Liquidity
0
Efficiency
64
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rolla, MO · Charter 12890
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.60% | 1.60% | 1.13% | 1.28% | -8 bps | |
| Return on Equity | 15.81% | 18.03% | 17.87% | 13.31% | 15.24% | -56 bps | |
| Net Interest Margin | 4.31% | 4.25% | 4.11% | 4.19% | 4.10% | -21 bps | |
| Efficiency Ratio | 75.42% | 73.17% | 72.47% | 77.23% | 73.45% | -197 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.60% | 9.03% | 15.30% | 18.01% | 22.52% | +992 bps | |
| Loan Growth (YoY) | 13.80% | 11.77% | 16.49% | 17.49% | 21.50% | +770 bps | |
| Share Growth (YoY) | 12.51% | 12.00% | 11.47% | 15.44% | 16.68% | +417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.20% | 0.26% | 0.16% | 1.14% | +44 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.63% | 8.89% | 8.96% | 8.52% | 8.42% | -21 bps | |
| Net Worth / Assets | 8.63% | 8.89% | 8.96% | 8.52% | 8.42% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.56% | 96.61% | 97.61% | 94.63% | 98.47% | +391 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rolla, MO · Charter 12890 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.28%
Rank 357 of 1,683
Net Interest Margin
4.10%
Rank 595 of 1,683
Efficiency Ratio
73.44%
Rank 614 of 1,682
Equity / Assets
8.42%
Rank 1,584 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 0.35% | 0.74% | 1.18% | Beats 79% | 357 / 1,683 | |
| Return on Equity | 15.25% | 2.67% | 5.89% | 8.74% | Beats 97% | 43 / 1,681 | |
| Net Interest Margin | 4.10% | 3.31% | 3.82% | 4.32% | Beats 65% | 595 / 1,683 | |
| Efficiency Ratio | 73.44% | 68.91% | 78.20% | 86.93% | Beats 64% | 614 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.14% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,198 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.42% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,584 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.42% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,584 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.47% | 52.61% | 69.38% | 83.50% | 96th pctl | 70 / 1,683 | |
| Loans / Assets | 84.30% | 44.71% | 59.18% | 70.72% | 97th pctl | 54 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||