Warrensburg, MO · Charter 60383
NCUA · 3 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 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
4
Asset Quality
58
Profitability
42
Liquidity
90
Efficiency
24
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.
Warrensburg, MO · Charter 60383
NCUA · 3 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 | 0.69% | 0.76% | 0.19% | 0.48% | 0.60% | 0.73% | 0.27% | 0.42% | -6 bps | |
| Return on Equity | 9.29% | 10.10% | 2.61% | 6.07% | 7.50% | 8.91% | 3.39% | 5.11% | -96 bps | |
| Net Interest Margin | 3.35% | 3.37% | 3.50% | 3.78% | 3.82% | 3.85% | 3.76% | 3.91% | +13 bps | |
| Efficiency Ratio | 85.04% | 84.15% | 89.55% | 86.46% | 84.80% | 83.75% | 91.02% | 87.48% | +101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | 4.02% | 3.54% | 0.73% | 0.78% | 0.04% | 1.78% | 3.94% | +321 bps | |
| Loan Growth (YoY) | -1.60% | -0.85% | 2.34% | 3.88% | 4.10% | 4.85% | 4.48% | 4.52% | +64 bps | |
| Share Growth (YoY) | 1.90% | 4.93% | 3.89% | 0.82% | -0.66% | -0.51% | 0.73% | 3.07% | +225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.32% | 0.32% | 0.38% | 0.28% | 0.42% | 0.44% | 0.52% | +14 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 | 7.39% | 7.49% | 7.41% | 7.83% | 7.98% | 8.17% | 7.96% | 8.17% | +34 bps | |
| Net Worth / Assets | 7.39% | 7.49% | 7.41% | 7.83% | 7.98% | 8.17% | 7.96% | 8.17% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.90% | 68.38% | 67.43% | 70.69% | 71.16% | 72.06% | 69.93% | 71.69% | +99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warrensburg, MO · Charter 60383 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.42%
Rank 1,210 of 1,683
Net Interest Margin
3.91%
Rank 752 of 1,683
Efficiency Ratio
87.48%
Rank 1,284 of 1,682
Equity / Assets
8.17%
Rank 1,610 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,210 / 1,683 | ||
| Return on Equity | 5.11% | 2.67% | 5.89% | 8.74% | Beats 44% | 949 / 1,681 | ||
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 752 / 1,683 | ||
| Efficiency Ratio | 87.48% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,284 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.26% | 0.65% | 1.29% | Beats 58% | 709 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.17% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,610 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.17% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,610 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.69% | 52.61% | 69.38% | 83.50% | 54th pctl | 769 / 1,683 | ||
| Loans / Assets | 66.18% | 44.71% | 59.18% | 70.72% | 65th pctl | 590 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||