Springfield, MO · Charter 61157
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |