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 | |