PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Together

Saint Louis, MO · Charter 62715

NCUA · 26 branches

Q2 2026

$2.7BAssets
$2.2BLoans
$2.3BShares
$263.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.81%, up 45 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.54% of loans (-11 bps YoY).
  • Capital: net worth / assets of 9.66%, up 41 bps from a year ago.
  • Funding: loans stand at 93.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+38 bps YoY

Efficiency Ratio (YTD, annualized)

72.02%-735 bps YoY

Net Worth / Assets

9.66%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.49%0.54%0.28%0.81%+45 bps
Return on Equity3.81%5.11%5.67%2.96%8.34%+453 bps
Net Interest Margin3.12%3.26%3.30%3.42%3.50%+38 bps
Efficiency Ratio79.37%76.80%75.85%79.55%72.02%-735 bps
Growth
Asset Growth (YoY)0.72%-0.46%5.42%4.21%2.45%+173 bps
Loan Growth (YoY)7.98%10.66%10.25%7.85%6.71%-127 bps
Share Growth (YoY)8.51%6.95%6.59%4.89%2.91%-560 bps
Asset Quality
Delinquent Loans / Loans0.66%0.67%0.79%0.67%0.54%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.25%9.52%9.56%9.36%9.66%+41 bps
Net Worth / Assets9.25%9.52%9.56%9.36%9.66%+41 bps
Liquidity & Funding
Loans / Shares90.24%94.37%94.81%92.05%93.57%+333 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps