Saint Louis, MO · Charter 62715
NCUA · 26 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.26% | 0.16% | 0.35% | 0.49% | 0.54% | 0.28% | 0.81% | +45 bps | |
| Return on Equity | 4.10% | 2.68% | 1.69% | 3.81% | 5.11% | 5.67% | 2.96% | 8.34% | +453 bps | |
| Net Interest Margin | 2.83% | 3.01% | 3.08% | 3.12% | 3.26% | 3.30% | 3.42% | 3.50% | +38 bps | |
| Efficiency Ratio | 80.70% | 83.35% | 83.95% | 79.37% | 76.80% | 75.85% | 79.55% | 72.02% | -735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.73% | 4.49% | -1.57% | 0.72% | -0.46% | 5.42% | 4.21% | 2.45% | +173 bps | |
| Loan Growth (YoY) | -2.46% | 1.02% | 5.24% | 7.98% | 10.66% | 10.25% | 7.85% | 6.71% | -127 bps | |
| Share Growth (YoY) | 3.43% | 6.77% | 6.05% | 8.51% | 6.95% | 6.59% | 4.89% | 2.91% | -560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.72% | 0.59% | 0.66% | 0.67% | 0.79% | 0.67% | 0.54% | -11 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 | 9.22% | 9.57% | 9.30% | 9.25% | 9.52% | 9.56% | 9.36% | 9.66% | +41 bps | |
| Net Worth / Assets | 9.22% | 9.57% | 9.30% | 9.25% | 9.52% | 9.56% | 9.36% | 9.66% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.21% | 91.66% | 89.53% | 90.24% | 94.37% | 94.81% | 92.05% | 93.57% | +333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |