Sedalia, MO · Charter 61268
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 | 0.63% | 0.59% | -0.50% | 0.28% | -1.16% | -2.20% | -9.32% | -8.66% | -894 bps | |
| Return on Equity | 7.21% | 6.29% | -5.55% | 3.02% | -13.23% | -27.31% | -190.43% | -244% | -24,693 bps | |
| Net Interest Margin | 5.70% | 6.17% | 6.01% | 6.03% | 6.41% | 6.83% | 6.55% | 6.51% | +48 bps | |
| Efficiency Ratio | 90.29% | 91.69% | 80.83% | 84.10% | 93.22% | 116.57% | 206% | 201% | +11,727 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.14% | -8.44% | -12.60% | -14.04% | -10.60% | -10.54% | -13.91% | -21.82% | -777 bps | |
| Loan Growth (YoY) | -16.01% | -14.74% | -9.26% | -9.28% | -9.52% | -9.91% | -23.22% | -28.91% | -1,963 bps | |
| Share Growth (YoY) | -5.14% | -10.15% | -13.73% | -15.97% | -9.74% | -7.28% | -10.03% | -15.95% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 4.63% | 4.53% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.32% | 0.86% | 0.87% | 1.85% | 1.52% | 2.43% | 2.00% | +113 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.79% | 9.43% | 8.99% | 9.25% | 8.79% | 8.07% | 4.89% | 3.55% | -570 bps | |
| Net Worth / Assets | 8.79% | 9.43% | 8.99% | 9.25% | 8.79% | 8.07% | 4.89% | 3.55% | -570 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.42% | 91.13% | 89.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |