Springfield, MO · Charter 62589
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
16
Asset Quality
40
Profitability
50
Liquidity
75
Efficiency
45
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 62589
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 | 0.66% | 0.57% | 0.51% | 0.60% | 0.76% | 0.65% | 0.50% | 0.58% | -2 bps | |
| Return on Equity | 7.50% | 6.39% | 5.72% | 6.56% | 7.89% | 6.75% | 5.24% | 6.05% | -50 bps | |
| Net Interest Margin | 4.12% | 4.17% | 3.91% | 4.06% | 4.20% | 4.18% | 3.86% | 3.98% | -8 bps | |
| Efficiency Ratio | 80.44% | 80.36% | 85.05% | 81.41% | 78.73% | 80.58% | 81.87% | 79.71% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -2.26% | -1.12% | -1.01% | -1.79% | -0.57% | 1.00% | 2.16% | +317 bps | |
| Loan Growth (YoY) | -18.20% | -20.47% | -20.36% | -14.72% | -12.68% | -10.41% | -9.85% | -8.86% | +586 bps | |
| Share Growth (YoY) | -4.78% | -3.21% | -1.73% | -1.80% | -2.65% | -1.41% | 0.56% | 1.94% | +374 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.99% | 1.11% | 0.85% | 0.73% | 0.98% | 1.47% | 1.28% | 0.86% | +13 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 | 8.79% | 8.94% | 8.95% | 9.15% | 9.59% | 9.64% | 9.49% | 9.58% | +43 bps | |
| Net Worth / Assets | 8.79% | 8.94% | 8.95% | 9.15% | 9.59% | 9.64% | 9.49% | 9.58% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.66% | 71.42% | 67.31% | 68.92% | 67.87% | 64.90% | 60.34% | 61.61% | -731 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 62589 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.58%
Rank 1,040 of 1,683
Net Interest Margin
3.98%
Rank 683 of 1,683
Efficiency Ratio
79.68%
Rank 920 of 1,682
Equity / Assets
9.58%
Rank 1,413 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,040 / 1,683 | ||
| Return on Equity | 6.05% | 2.67% | 5.89% | 8.74% | Beats 52% | 810 / 1,681 | ||
| Net Interest Margin | 3.98% | 3.31% | 3.82% | 4.32% | Beats 59% | 683 / 1,683 | ||
| Efficiency Ratio | 79.68% | 68.91% | 78.20% | 86.93% | Beats 45% | 920 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,008 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.58% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,413 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.58% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,413 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.61% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,062 / 1,683 | ||
| Loans / Assets | 55.12% | 44.71% | 59.18% | 70.72% | 42nd pctl | 974 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||