PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Educational Community

Springfield, MO · Charter 62589

NCUA · 2 branches

Q2 2026

$77.7MAssets
$42.8MLoans
$69.5MShares
$7.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, down 2 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.86% of loans (+13 bps YoY).
  • Capital: net worth / assets of 9.58%, up 43 bps from a year ago.
  • Funding: loans stand at 61.61% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-8 bps YoY

Efficiency Ratio (YTD, annualized)

79.71%-171 bps YoY

Net Worth / Assets

9.58%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.57%0.51%0.60%0.76%0.65%0.50%0.58%-2 bps
Return on Equity7.50%6.39%5.72%6.56%7.89%6.75%5.24%6.05%-50 bps
Net Interest Margin4.12%4.17%3.91%4.06%4.20%4.18%3.86%3.98%-8 bps
Efficiency Ratio80.44%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 / Loans1.99%1.11%0.85%0.73%0.98%1.47%1.28%0.86%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.79%8.94%8.95%9.15%9.59%9.64%9.49%9.58%+43 bps
Net Worth / Assets8.79%8.94%8.95%9.15%9.59%9.64%9.49%9.58%+43 bps
Liquidity & Funding
Loans / Shares75.66%71.42%67.31%68.92%67.87%64.90%60.34%61.61%-731 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps