PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

West Community

O Fallon, MO · Charter 62801

NCUA · 10 branches

Q2 2026

$656.2MAssets
$513.5MLoans
$585.2MShares
$53.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.86%, up 47 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 1.40% of loans (-26 bps YoY).
  • Capital: net worth / assets of 8.21%, up 1 bps from a year ago.
  • Funding: loans stand at 87.76% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.86%+47 bps YoY

Net Interest Margin (YTD, annualized)

4.01%-18 bps YoY

Efficiency Ratio (YTD, annualized)

77.45%-51 bps YoY

Net Worth / Assets

8.21%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.33%0.32%0.39%0.50%0.51%0.83%0.86%+47 bps
Return on Equity3.48%3.96%3.82%4.71%5.93%5.96%9.70%10.43%+572 bps
Net Interest Margin3.82%3.88%4.25%4.19%4.29%4.33%4.49%4.01%-18 bps
Efficiency Ratio85.11%83.26%79.93%77.96%76.78%76.33%78.58%77.45%-51 bps
Growth
Asset Growth (YoY)1.86%2.95%0.19%2.24%2.21%1.66%3.09%32.63%+3,038 bps
Loan Growth (YoY)1.56%0.89%1.43%1.16%0.14%0.86%0.88%27.46%+2,630 bps
Share Growth (YoY)4.36%4.03%4.38%6.98%7.05%4.69%2.24%38.75%+3,177 bps
Asset Quality
Delinquent Loans / Loans1.58%1.47%1.24%1.66%1.17%1.13%1.04%1.40%-26 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 Capital8.13%8.20%8.27%8.20%8.39%8.52%8.60%8.21%+1 bps
Net Worth / Assets8.13%8.20%8.27%8.20%8.39%8.52%8.60%8.21%+1 bps
Liquidity & Funding
Loans / Shares104.00%102.36%98.29%95.54%97.29%98.62%96.98%87.76%-778 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps