Springfield, MO · Charter 61790
NCUA · 4 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
22
Asset Quality
70
Profitability
47
Liquidity
0
Efficiency
49
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 61790
NCUA · 4 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 | 0.81% | 0.65% | 0.69% | 0.65% | 0.64% | 0.66% | 0.44% | 0.53% | -12 bps | |
| Return on Equity | 7.51% | 6.04% | 6.57% | 6.18% | 6.23% | 6.36% | 4.29% | 5.22% | -96 bps | |
| Net Interest Margin | 4.17% | 4.17% | 4.12% | 4.19% | 4.12% | 4.12% | 4.11% | 4.05% | -14 bps | |
| Efficiency Ratio | 79.07% | 77.68% | 76.73% | 77.42% | 77.01% | 77.73% | 78.15% | 78.40% | +98 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.97% | 9.61% | 8.80% | 9.14% | 10.29% | 10.01% | 8.16% | 9.88% | +74 bps | |
| Loan Growth (YoY) | 12.42% | 9.65% | 8.28% | 6.02% | 8.39% | 12.54% | 11.28% | 10.09% | +407 bps | |
| Share Growth (YoY) | 11.02% | 10.25% | 9.08% | 8.79% | 10.11% | 10.41% | 7.98% | 10.88% | +208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.38% | 0.32% | 0.42% | 0.49% | 0.52% | 0.43% | 0.34% | -8 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 | 10.79% | 10.71% | 10.51% | 10.51% | 10.31% | 10.39% | 10.32% | 10.16% | -35 bps | |
| Net Worth / Assets | 10.79% | 10.71% | 10.51% | 10.51% | 10.31% | 10.39% | 10.32% | 10.16% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.46% | 93.93% | 92.22% | 94.56% | 92.98% | 95.74% | 95.04% | 93.89% | -67 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 61790 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.53%
Rank 1,093 of 1,683
Net Interest Margin
4.05%
Rank 628 of 1,683
Efficiency Ratio
78.40%
Rank 856 of 1,682
Equity / Assets
10.16%
Rank 1,311 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,093 / 1,683 | ||
| Return on Equity | 5.22% | 2.67% | 5.89% | 8.74% | Beats 44% | 938 / 1,681 | ||
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 63% | 628 / 1,683 | ||
| Efficiency Ratio | 78.40% | 68.91% | 78.20% | 86.93% | Beats 49% | 856 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 510 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.16% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,311 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.16% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,311 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.89% | 52.61% | 69.38% | 83.50% | 92nd pctl | 137 / 1,683 | ||
| Loans / Assets | 79.43% | 44.71% | 59.18% | 70.72% | 91st pctl | 150 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||