PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Foundation

Springfield, MO · Charter 61157

NCUA · 2 branches

Q2 2026

$76.6MAssets
$57.9MLoans
$64.5MShares
$11.0MNet 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 0.59%, up 20 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.33% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.31%, down 52 bps from a year ago.
  • Funding: loans stand at 89.77% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%+20 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+15 bps YoY

Efficiency Ratio (quarter, annualized)

81.57%-354 bps YoY

Net Worth / Assets

14.31%-52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.42%0.45%0.77%0.59%+20 bps
Return on Equity2.63%2.70%2.96%5.31%4.10%+147 bps
Net Interest Margin2.84%3.03%3.06%3.13%2.99%+15 bps
Efficiency Ratio85.11%85.58%82.00%77.35%81.57%-354 bps
Growth
Asset Growth (YoY)2.73%1.81%4.21%8.39%7.40%+467 bps
Loan Growth (YoY)0.47%5.00%8.86%6.94%6.14%+567 bps
Share Growth (YoY)1.29%0.78%1.87%11.23%8.51%+722 bps
Asset Quality
Delinquent Loans / Loans0.33%0.70%0.65%0.15%0.33%0 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 Capital14.83%15.40%15.09%14.59%14.31%-52 bps
Net Worth / Assets14.83%15.40%15.09%14.59%14.31%-52 bps
Liquidity & Funding
Loans / Shares91.78%96.82%100.44%91.05%89.77%-201 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps