PackageTrendsPeer
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Independence Teachers

Independence, MO · Charter 62620

NCUA · 1 branch

Q2 2026

$16.5MAssets
$4.5MLoans
$13.9MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, up 1 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.03% of loans (-112 bps YoY).
  • Capital: net worth / assets of 15.52%, up 113 bps from a year ago.
  • Funding: loans stand at 32.45% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.00%+1 bps YoY

Net Interest Margin (quarter, annualized)

2.75%-7 bps YoY

Efficiency Ratio (quarter, annualized)

61.15%+856 bps YoY

Net Worth / Assets

15.52%+113 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%1.07%1.38%1.00%1.11%1.10%0.92%1.00%+1 bps
Return on Equity6.04%7.40%9.42%6.92%7.48%7.12%6.07%6.46%-46 bps
Net Interest Margin2.54%2.67%2.89%2.82%2.90%2.94%2.69%2.75%-7 bps
Efficiency Ratio54.59%51.43%50.21%52.59%52.29%52.53%58.96%61.15%+856 bps
Growth
Asset Growth (YoY)-2.24%-1.21%-2.25%0.96%-0.47%1.27%3.14%-0.40%-137 bps
Loan Growth (YoY)-7.54%-1.72%-5.01%-8.79%-11.08%-16.72%-13.93%-8.67%+13 bps
Share Growth (YoY)-3.23%-2.63%-3.95%-0.18%-1.99%0.15%2.52%-1.77%-159 bps
Asset Quality
Delinquent Loans / Loans0.00%0.27%0.47%1.15%0.67%0.29%0.00%0.03%-112 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 Capital13.56%14.48%14.61%14.39%14.88%15.40%15.12%15.52%+113 bps
Net Worth / Assets13.56%14.48%14.61%14.39%14.88%15.40%15.12%15.52%+113 bps
Liquidity & Funding
Loans / Shares39.42%40.81%37.85%34.90%35.76%33.94%31.78%32.45%-245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps