Jefferson City, MO · Charter 24955
NCUA · 11 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
89
Profitability
79
Liquidity
58
Efficiency
67
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.
Jefferson City, MO · Charter 24955
NCUA · 11 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 | 0.68% | 0.78% | 0.96% | 0.83% | 1.01% | 1.03% | 1.29% | 1.37% | +54 bps | |
| Return on Equity | 6.88% | 7.88% | 9.76% | 8.41% | 9.91% | 9.88% | 12.28% | 12.95% | +454 bps | |
| Net Interest Margin | 2.72% | 2.93% | 3.58% | 2.82% | 3.07% | 3.19% | 3.46% | 3.46% | +64 bps | |
| Efficiency Ratio | 73.85% | 72.67% | 73.45% | 71.25% | 70.37% | 69.72% | 68.83% | 67.34% | -391 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 40.84% | 42.39% | 161.21% | 96.65% | 94.63% | 93.58% | 7.75% | -15,346 bps | |
| Loan Growth (YoY) | n/a | 35.53% | 35.23% | 115.50% | 71.55% | 71.31% | 71.16% | 15.39% | -10,012 bps | |
| Share Growth (YoY) | n/a | 39.85% | 41.52% | 158.72% | 97.03% | 95.30% | 94.65% | 8.40% | -15,032 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.68% | 0.69% | 0.49% | 0.38% | 0.52% | 0.33% | 0.31% | -18 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 | 9.82% | 9.95% | 9.85% | 9.92% | 10.22% | 10.45% | 10.47% | 10.59% | +67 bps | |
| Net Worth / Assets | 9.82% | 9.95% | 9.85% | 9.92% | 10.22% | 10.45% | 10.47% | 10.59% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.62% | 85.63% | 83.33% | 73.75% | 74.55% | 75.11% | 73.28% | 78.50% | +475 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jefferson City, MO · Charter 24955 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
1.37%
Rank 62 of 435
Net Interest Margin
3.46%
Rank 193 of 435
Efficiency Ratio
67.34%
Rank 145 of 435
Equity / Assets
10.59%
Rank 246 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.55% | 0.81% | 1.14% | Beats 86% | 62 / 435 | ||
| Return on Equity | 12.95% | 5.12% | 7.41% | 9.70% | Beats 94% | 25 / 435 | ||
| Net Interest Margin | 3.46% | 3.01% | 3.39% | 3.75% | Beats 56% | 193 / 435 | ||
| Efficiency Ratio | 67.34% | 65.25% | 71.39% | 77.86% | Beats 67% | 145 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.45% | 0.69% | 1.05% | Beats 89% | 47 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.59% | 9.81% | 10.84% | 12.63% | Beats 43% | 246 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.59% | 9.81% | 10.84% | 12.63% | Beats 43% | 246 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.50% | 78.33% | 88.38% | 95.61% | 25th pctl | 325 / 435 | ||
| Loans / Assets | 69.15% | 67.69% | 74.58% | 80.80% | 30th pctl | 303 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||