PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Century

Saint Louis, MO · Charter 60435

NCUA · 2 branches

Q2 2026

$182.0MAssets
$112.2MLoans
$149.2MShares
$31.9MNet 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 1.03%, down 54 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.37% of loans (+8 bps YoY).
  • Capital: net worth / assets of 17.55%, down 25 bps from a year ago.
  • Funding: loans stand at 75.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%-54 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-1 bps YoY

Efficiency Ratio (YTD, annualized)

69.47%+1,200 bps YoY

Net Worth / Assets

17.55%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.66%1.41%0.97%1.03%-54 bps
Return on Equity8.83%9.22%7.86%5.52%5.85%-298 bps
Net Interest Margin3.27%3.31%3.23%3.25%3.26%-1 bps
Efficiency Ratio57.48%57.91%62.08%70.17%69.47%+1,200 bps
Growth
Asset Growth (YoY)8.76%9.30%10.00%8.99%8.36%-40 bps
Loan Growth (YoY)14.21%16.65%20.22%13.36%14.99%+78 bps
Share Growth (YoY)8.70%9.31%10.27%9.32%8.67%-2 bps
Asset Quality
Delinquent Loans / Loans0.29%0.25%0.75%0.40%0.37%+8 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 Capital17.79%17.97%17.93%17.57%17.55%-25 bps
Net Worth / Assets17.79%17.97%17.93%17.57%17.55%-25 bps
Liquidity & Funding
Loans / Shares71.07%72.90%74.89%73.16%75.21%+413 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps