Sikeston, MO · Charter 60167
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
4
Profitability
24
Liquidity
63
Efficiency
48
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.
Sikeston, MO · Charter 60167
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 | 0.54% | 0.74% | 0.93% | 0.73% | 1.21% | 0.63% | 0.72% | -1.84% | -257 bps | |
| Return on Equity | 3.53% | 4.72% | 6.16% | 4.81% | 7.78% | 4.05% | 4.69% | -12.61% | -1,743 bps | |
| Net Interest Margin | 4.42% | 4.51% | 4.53% | 4.61% | 4.43% | 4.44% | 3.91% | 4.16% | -45 bps | |
| Efficiency Ratio | 71.98% | 70.17% | 67.43% | 64.55% | 73.50% | 79.75% | 80.17% | 78.89% | +1,435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.64% | -4.77% | 3.11% | 8.43% | 6.97% | 5.52% | 1.61% | -3.33% | -1,176 bps | |
| Loan Growth (YoY) | 6.75% | 3.20% | -0.47% | -6.68% | -9.60% | -12.83% | -14.61% | -17.28% | -1,060 bps | |
| Share Growth (YoY) | -3.90% | -6.44% | 2.73% | 10.64% | 6.03% | 5.67% | 2.05% | -2.84% | -1,347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.74% | 0.99% | 0.75% | 1.72% | 4.14% | 4.49% | 4.65% | +390 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 | 15.41% | 15.73% | 15.02% | 15.08% | 15.57% | 15.50% | 15.31% | 14.60% | -48 bps | |
| Net Worth / Assets | 15.41% | 15.73% | 15.02% | 15.08% | 15.57% | 15.50% | 15.31% | 14.60% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.15% | 103.70% | 96.00% | 91.30% | 89.65% | 85.54% | 80.33% | 77.73% | -1,357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sikeston, MO · Charter 60167 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.84%
Rank 1,643 of 1,683
Net Interest Margin
4.16%
Rank 542 of 1,683
Efficiency Ratio
78.85%
Rank 874 of 1,682
Equity / Assets
14.60%
Rank 591 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.84% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,643 / 1,683 | ||
| Return on Equity | -12.63% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,632 / 1,681 | ||
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 68% | 542 / 1,683 | ||
| Efficiency Ratio | 78.85% | 68.91% | 78.20% | 86.93% | Beats 48% | 874 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.65% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,622 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.60% | 10.44% | 12.89% | 16.53% | Beats 65% | 591 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.60% | 10.44% | 12.89% | 16.53% | Beats 65% | 591 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.73% | 52.61% | 69.38% | 83.50% | 65th pctl | 585 / 1,683 | ||
| Loans / Assets | 65.15% | 44.71% | 59.18% | 70.72% | 63rd pctl | 627 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||