Saint Louis, MO · Charter 62716
NCUA · 2 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 | 0.36% | 0.39% | 0.36% | 0.33% | 0.33% | -0.12% | 0.27% | 0.30% | -3 bps | |
| Return on Equity | 3.38% | 3.62% | 3.47% | 3.11% | 3.10% | -1.17% | 2.83% | 3.22% | +11 bps | |
| Net Interest Margin | 3.86% | 3.94% | 3.91% | 4.06% | 4.11% | 4.14% | 4.11% | 4.00% | -5 bps | |
| Efficiency Ratio | 80.04% | 79.45% | 79.52% | 81.42% | 82.33% | 86.45% | 84.31% | 84.40% | +299 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.12% | -3.32% | 1.38% | 1.38% | 3.39% | 5.80% | 6.12% | 10.40% | +903 bps | |
| Loan Growth (YoY) | 2.14% | -1.51% | 1.55% | 4.77% | 7.71% | 13.44% | 12.37% | 15.84% | +1,108 bps | |
| Share Growth (YoY) | 3.15% | -5.70% | -0.24% | 0.70% | 2.51% | 7.13% | 7.36% | 10.75% | +1,005 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.71% | 1.57% | 1.40% | 1.55% | 0.68% | 0.76% | 0.77% | -63 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 | 10.75% | 10.88% | 10.47% | 10.62% | 10.66% | 10.08% | 9.65% | 9.43% | -119 bps | |
| Net Worth / Assets | 10.75% | 10.88% | 10.47% | 10.62% | 10.66% | 10.08% | 9.65% | 9.43% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.68% | 84.92% | 82.66% | 84.75% | 86.86% | 89.92% | 86.52% | 88.64% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |