Wentzville, MO · Charter 24774
NCUA · 5 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 | 0.23% | 0.30% | 0.09% | 0.12% | 1.21% | 1.01% | -0.15% | 0.20% | +8 bps | |
| Return on Equity | 2.40% | 3.20% | 0.94% | 1.32% | 12.42% | 10.66% | -1.58% | 2.16% | +85 bps | |
| Net Interest Margin | 5.12% | 5.26% | 5.62% | 5.62% | 5.61% | 5.58% | 5.55% | 5.66% | +4 bps | |
| Efficiency Ratio | 77.55% | 76.30% | 75.43% | 76.25% | 64.72% | 64.26% | 69.26% | 69.95% | -630 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 3.04% | 5.94% | 6.97% | 6.48% | 9.18% | 10.66% | 6.95% | -2 bps | |
| Loan Growth (YoY) | 5.12% | 5.33% | 6.92% | 5.03% | 5.01% | 5.58% | 5.34% | 5.97% | +94 bps | |
| Share Growth (YoY) | 2.53% | 4.97% | 8.03% | 12.93% | 13.11% | 14.45% | 11.22% | 6.28% | -665 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 1.53% | 1.28% | 1.40% | 1.63% | 1.91% | 2.27% | 2.38% | +98 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 | 9.45% | 9.43% | 9.33% | 9.11% | 9.76% | 9.52% | 9.23% | 9.43% | +32 bps | |
| Net Worth / Assets | 9.45% | 9.43% | 9.33% | 9.11% | 9.76% | 9.52% | 9.23% | 9.43% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.31% | 96.72% | 91.93% | 89.99% | 91.27% | 89.22% | 87.07% | 89.73% | -26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |