PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Missouri

Saint Louis, MO · Charter 62716

NCUA · 2 branches

Q2 2026

$125.1MAssets
$99.2MLoans
$111.9MShares
$11.8MNet 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 0.30%, down 3 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.77% of loans (-63 bps YoY).
  • Capital: net worth / assets of 9.43%, down 119 bps from a year ago.
  • Funding: loans stand at 88.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-5 bps YoY

Efficiency Ratio (YTD, annualized)

84.40%+299 bps YoY

Net Worth / Assets

9.43%-119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.33%-0.12%0.27%0.30%-3 bps
Return on Equity3.11%3.10%-1.17%2.83%3.22%+11 bps
Net Interest Margin4.06%4.11%4.14%4.11%4.00%-5 bps
Efficiency Ratio81.42%82.33%86.45%84.31%84.40%+299 bps
Growth
Asset Growth (YoY)1.38%3.39%5.80%6.12%10.40%+903 bps
Loan Growth (YoY)4.77%7.71%13.44%12.37%15.84%+1,108 bps
Share Growth (YoY)0.70%2.51%7.13%7.36%10.75%+1,005 bps
Asset Quality
Delinquent Loans / Loans1.40%1.55%0.68%0.76%0.77%-63 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 Capital10.62%10.66%10.08%9.65%9.43%-119 bps
Net Worth / Assets10.62%10.66%10.08%9.65%9.43%-119 bps
Liquidity & Funding
Loans / Shares84.75%86.86%89.92%86.52%88.64%+389 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps