Springfield, MO · Charter 62897
NCUA · 3 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 | 0.47% | 0.49% | 0.45% | 0.45% | 0.43% | 0.36% | 0.49% | 0.50% | +6 bps | |
| Return on Equity | 5.55% | 5.72% | 5.24% | 5.12% | 4.84% | 4.13% | 5.55% | 5.71% | +59 bps | |
| Net Interest Margin | 2.20% | 2.22% | 2.33% | 2.47% | 2.55% | 2.53% | 2.56% | 2.64% | +17 bps | |
| Efficiency Ratio | 83.06% | 82.51% | 83.56% | 85.15% | 86.51% | 87.72% | 87.39% | 87.21% | +205 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | 2.15% | 1.92% | 2.02% | -0.64% | 0.48% | 1.50% | 2.62% | +59 bps | |
| Loan Growth (YoY) | -6.36% | -4.95% | -3.11% | -2.35% | -2.60% | -0.29% | -1.51% | 1.93% | +428 bps | |
| Share Growth (YoY) | 13.92% | 9.52% | 5.19% | 5.34% | 3.76% | 2.32% | 3.80% | 4.31% | -103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.53% | 1.08% | 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 | 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 | 8.46% | 8.49% | 8.58% | 8.71% | 8.94% | 8.78% | 8.78% | 8.84% | +13 bps | |
| Net Worth / Assets | 8.46% | 8.49% | 8.58% | 8.71% | 8.94% | 8.78% | 8.78% | 8.84% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.29% | 98.88% | 95.99% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |