Sedalia, MO · Charter 61268
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
0
Asset Quality
3
Profitability
33
Liquidity
78
Efficiency
1
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.
Sedalia, MO · Charter 61268
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | -1.16% | -2.20% | -9.32% | -8.66% | -894 bps | |
| Return on Equity | 3.02% | -13.23% | -27.31% | -190.43% | -244% | -24,693 bps | |
| Net Interest Margin | 6.03% | 6.41% | 6.83% | 6.55% | 6.51% | +48 bps | |
| Efficiency Ratio | 84.10% | 93.22% | 116.57% | 206% | 201% | +11,727 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.04% | -10.60% | -10.54% | -13.91% | -21.82% | -777 bps | |
| Loan Growth (YoY) | -9.28% | -9.52% | -9.91% | -23.22% | -28.91% | -1,963 bps | |
| Share Growth (YoY) | -15.97% | -9.74% | -7.28% | -10.03% | -15.95% | +2 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 2.34% | 2.29% | 10.60% | 5.23% | +523 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 1.85% | 1.52% | 2.43% | 2.00% | +113 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.25% | 8.79% | 8.07% | 4.89% | 3.55% | -570 bps | |
| Net Worth / Assets | 9.25% | 8.79% | 8.07% | 4.89% | 3.55% | -570 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.95% | 89.63% | 88.54% | 76.39% | 74.40% | -1,356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sedalia, MO · Charter 61268 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-8.65%
Rank 1,677 of 1,683
Net Interest Margin
6.59%
Rank 18 of 1,683
Efficiency Ratio
198.00%
Rank 1,669 of 1,682
Equity / Assets
3.57%
Rank 1,678 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.65% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,677 / 1,683 | |
| Return on Equity | -242% | 2.67% | 5.89% | 8.74% | Beats 0% | 1,680 / 1,681 | |
| Net Interest Margin | 6.59% | 3.31% | 3.82% | 4.32% | Beats 99% | 18 / 1,683 | |
| Efficiency Ratio | 198.00% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,669 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.25% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,630 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 3.57% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,678 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 3.57% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,678 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.38% | 52.61% | 69.38% | 83.50% | 59th pctl | 685 / 1,683 | |
| Loans / Assets | 71.93% | 44.71% | 59.18% | 70.72% | 77th pctl | 380 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||