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Multipli

Jefferson City, MO · Charter 24955

NCUA · 11 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BShares
$155.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.37%, up 54 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.31% of loans (-18 bps YoY).
  • Capital: net worth / assets of 10.59%, up 67 bps from a year ago.
  • Funding: loans stand at 78.50% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.37%+54 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+64 bps YoY

Efficiency Ratio (quarter, annualized)

67.34%-391 bps YoY

Net Worth / Assets

10.59%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%1.01%1.03%1.29%1.37%+54 bps
Return on Equity8.41%9.91%9.88%12.28%12.95%+454 bps
Net Interest Margin2.82%3.07%3.19%3.46%3.46%+64 bps
Efficiency Ratio71.25%70.37%69.72%68.83%67.34%-391 bps
Growth
Asset Growth (YoY)161.21%96.65%94.63%93.58%7.75%-15,346 bps
Loan Growth (YoY)115.50%71.55%71.31%71.16%15.39%-10,012 bps
Share Growth (YoY)158.72%97.03%95.30%94.65%8.40%-15,032 bps
Asset Quality
Delinquent Loans / Loans0.49%0.38%0.52%0.33%0.31%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.92%10.22%10.45%10.47%10.59%+67 bps
Net Worth / Assets9.92%10.22%10.45%10.47%10.59%+67 bps
Liquidity & Funding
Loans / Shares73.75%74.55%75.11%73.28%78.50%+475 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps