Jefferson City, MO · Charter 62598
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.19% | 1.33% | 1.12% | 1.28% | +12 bps | |
| Return on Equity | 8.69% | 8.80% | 9.59% | 8.07% | 9.24% | +55 bps | |
| Net Interest Margin | 2.65% | 2.71% | 2.81% | 3.07% | 3.03% | +38 bps | |
| Efficiency Ratio | 58.53% | 57.76% | 54.98% | 60.03% | 55.81% | -272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.03% | 8.52% | 8.93% | 7.25% | 7.17% | -186 bps | |
| Loan Growth (YoY) | -2.96% | 2.18% | 20.93% | 21.34% | 23.41% | +2,636 bps | |
| Share Growth (YoY) | 7.19% | 7.55% | 7.21% | 5.81% | 6.11% | -108 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.47% | 0.45% | 0.38% | 0.48% | +10 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.38% | 13.47% | 13.86% | 13.81% | 13.84% | +45 bps | |
| Net Worth / Assets | 13.38% | 13.47% | 13.86% | 13.81% | 13.84% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.95% | 45.39% | 53.36% | 51.12% | 51.11% | +716 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |