Springfield, MO · Charter 61157
NCUA · 2 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
63
Asset Quality
71
Profitability
29
Liquidity
10
Efficiency
40
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.
Springfield, MO · Charter 61157
NCUA · 2 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 | 0.28% | 0.28% | 0.20% | 0.39% | 0.42% | 0.45% | 0.77% | 0.59% | +20 bps | |
| Return on Equity | 1.82% | 1.85% | 1.30% | 2.63% | 2.70% | 2.96% | 5.31% | 4.10% | +147 bps | |
| Net Interest Margin | 2.77% | 2.77% | 2.81% | 2.84% | 3.03% | 3.06% | 3.13% | 2.99% | +15 bps | |
| Efficiency Ratio | 82.75% | 83.88% | 87.58% | 85.11% | 85.58% | 82.00% | 77.35% | 81.57% | -354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.44% | -4.51% | -1.82% | 2.73% | 1.81% | 4.21% | 8.39% | 7.40% | +467 bps | |
| Loan Growth (YoY) | -6.30% | -5.08% | -2.29% | 0.47% | 5.00% | 8.86% | 6.94% | 6.14% | +567 bps | |
| Share Growth (YoY) | -6.05% | -5.70% | -4.55% | 1.29% | 0.78% | 1.87% | 11.23% | 8.51% | +722 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 0.49% | 0.27% | 0.33% | 0.70% | 0.65% | 0.15% | 0.33% | 0 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 | 15.31% | 15.28% | 15.21% | 14.83% | 15.40% | 15.09% | 14.59% | 14.31% | -52 bps | |
| Net Worth / Assets | 15.31% | 15.28% | 15.21% | 14.83% | 15.40% | 15.09% | 14.59% | 14.31% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.92% | 93.99% | 94.71% | 91.78% | 96.82% | 100.44% | 91.05% | 89.77% | -201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MO · Charter 61157 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.59%
Rank 1,025 of 1,683
Net Interest Margin
2.99%
Rank 1,461 of 1,683
Efficiency Ratio
81.58%
Rank 1,011 of 1,682
Equity / Assets
14.31%
Rank 624 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,025 / 1,683 | ||
| Return on Equity | 4.10% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,077 / 1,681 | ||
| Net Interest Margin | 2.99% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,461 / 1,683 | ||
| Efficiency Ratio | 81.58% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,011 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 71% | 497 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.31% | 10.44% | 12.89% | 16.53% | Beats 63% | 624 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.31% | 10.44% | 12.89% | 16.53% | Beats 63% | 624 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.77% | 52.61% | 69.38% | 83.50% | 86th pctl | 238 / 1,683 | ||
| Loans / Assets | 75.60% | 44.71% | 59.18% | 70.72% | 84th pctl | 266 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||