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 | |