Springfield, MO · Charter 62897
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
12
Profitability
29
Liquidity
0
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Springfield, MO · Charter 62897
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.43% | 0.36% | 0.49% | 0.50% | +6 bps | |
| Return on Equity | 5.12% | 4.84% | 4.13% | 5.55% | 5.71% | +59 bps | |
| Net Interest Margin | 2.47% | 2.55% | 2.53% | 2.56% | 2.64% | +17 bps | |
| Efficiency Ratio | 85.15% | 86.51% | 87.72% | 87.39% | 87.21% | +205 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.02% | -0.64% | 0.48% | 1.50% | 2.62% | +59 bps | |
| Loan Growth (YoY) | -2.35% | -2.60% | -0.29% | -1.51% | 1.93% | +428 bps | |
| Share Growth (YoY) | 5.34% | 3.76% | 2.32% | 3.80% | 4.31% | -103 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 1.31% | 1.31% | 1.58% | 2.29% | +121 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.71% | 8.94% | 8.78% | 8.78% | 8.84% | +13 bps | |
| Net Worth / Assets | 8.71% | 8.94% | 8.78% | 8.78% | 8.84% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.12% | 94.14% | 96.36% | 91.07% | 92.96% | -216 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MO · Charter 62897 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.50%
Rank 1,131 of 1,683
Net Interest Margin
2.64%
Rank 1,590 of 1,683
Efficiency Ratio
87.20%
Rank 1,273 of 1,682
Equity / Assets
8.84%
Rank 1,528 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,131 / 1,683 | |
| Return on Equity | 5.71% | 2.67% | 5.89% | 8.74% | Beats 48% | 873 / 1,681 | |
| Net Interest Margin | 2.64% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,590 / 1,683 | |
| Efficiency Ratio | 87.20% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,273 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.29% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,489 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.84% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,528 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.84% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,528 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.96% | 52.61% | 69.38% | 83.50% | 91st pctl | 155 / 1,683 | |
| Loans / Assets | 77.03% | 44.71% | 59.18% | 70.72% | 87th pctl | 218 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||