Jefferson City, MO · Charter 24955
NCUA · 11 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |