Springfield, MO · Charter 61840
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 | 0.98% | 0.95% | 1.08% | 1.13% | 1.13% | 1.09% | 0.63% | 0.87% | -27 bps | |
| Return on Equity | 7.91% | 7.66% | 8.66% | 8.95% | 8.90% | 8.58% | 4.98% | 6.68% | -227 bps | |
| Net Interest Margin | 4.00% | 4.10% | 4.19% | 4.25% | 4.22% | 4.19% | 4.23% | 4.28% | +3 bps | |
| Efficiency Ratio | 70.45% | 70.43% | 67.38% | 66.95% | 67.73% | 69.34% | 75.04% | 75.90% | +896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | 3.97% | 5.80% | 6.13% | 7.19% | 9.06% | 6.35% | 5.63% | -50 bps | |
| Loan Growth (YoY) | 6.97% | 5.13% | 6.30% | 1.60% | -5.09% | -4.91% | -6.76% | -8.30% | -991 bps | |
| Share Growth (YoY) | 2.54% | 3.06% | 5.22% | 5.57% | 6.60% | 8.62% | 5.56% | 4.78% | -79 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.27% | 0.43% | 0.59% | 0.59% | 0.97% | 0.92% | 0.90% | +31 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 | 12.41% | 12.40% | 12.51% | 12.67% | 12.67% | 12.68% | 12.74% | 12.96% | +30 bps | |
| Net Worth / Assets | 12.41% | 12.40% | 12.51% | 12.67% | 12.67% | 12.68% | 12.74% | 12.96% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.24% | 79.57% | 76.50% | 74.03% | 71.44% | 69.66% | 67.57% | 64.79% | -924 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |