Springfield, MO · Charter 62589
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 | 0.66% | 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 | |