Saint Louis, MO · Charter 21683
NCUA · 1 branch
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 | 1.03% | 1.43% | 2.17% | 2.04% | 1.26% | 1.19% | 5.21% | 0.90% | -114 bps | |
| Return on Equity | 8.67% | 11.10% | 15.25% | 14.49% | 8.90% | 8.18% | 36.39% | 6.35% | -814 bps | |
| Net Interest Margin | 2.70% | 3.16% | 4.80% | 4.50% | 4.22% | 3.85% | 17.97% | 2.94% | -155 bps | |
| Efficiency Ratio | 65.67% | 58.41% | 56.26% | 51.35% | 52.13% | 52.96% | 58.67% | 67.06% | +1,571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | 0.26% | -8.94% | -6.60% | -7.09% | -4.92% | 4.58% | 3.16% | +976 bps | |
| Loan Growth (YoY) | 66.78% | 18.51% | 2.21% | 1.19% | -11.59% | -17.78% | -15.44% | -22.19% | -2,338 bps | |
| Share Growth (YoY) | -1.95% | 0.91% | -9.77% | -8.72% | -10.66% | -7.88% | 2.89% | 2.53% | +1,125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.16% | 0.00% | 7.40% | 0.00% | 0.00% | 0.00% | 0.00% | -740 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 | 0.23% | 0.21% | 0.34% | 1.69% | 0.00% | 1.16% | 1.96% | 3.73% | +204 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.84% | 12.91% | 14.24% | 14.09% | 14.10% | 14.52% | 14.33% | 14.25% | +16 bps | |
| Net Worth / Assets | 11.84% | 12.91% | 14.24% | 14.09% | 14.10% | 14.52% | 14.33% | 14.25% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.15% | 12.12% | 11.48% | 10.33% | 11.03% | 10.82% | 9.43% | 7.84% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |