Saint Louis, MO · Charter 62905
NCUA · 8 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 | -0.07% | 0.04% | 0.46% | 0.33% | 0.22% | 0.25% | 0.69% | 0.72% | +40 bps | |
| Return on Equity | -0.59% | 0.34% | 3.75% | 2.71% | 1.84% | 2.09% | 5.81% | 6.01% | +330 bps | |
| Net Interest Margin | 3.42% | 3.39% | 3.64% | 3.66% | 3.65% | 3.77% | 3.86% | 3.90% | +24 bps | |
| Efficiency Ratio | 86.52% | 84.99% | 80.34% | 80.48% | 79.86% | 78.71% | 75.69% | 75.85% | -463 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | 8.48% | 5.74% | 6.86% | 8.66% | 5.27% | 5.09% | 3.57% | -330 bps | |
| Loan Growth (YoY) | -1.60% | 5.48% | 10.67% | 11.78% | 14.82% | 9.59% | 3.60% | 1.42% | -1,035 bps | |
| Share Growth (YoY) | 6.67% | 10.03% | 6.78% | 8.07% | 9.41% | 5.45% | 5.06% | 3.26% | -481 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 2.02% | 1.76% | 1.40% | 1.34% | 1.22% | 1.18% | 1.22% | -18 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 | 12.67% | 12.40% | 12.25% | 12.10% | 11.82% | 11.94% | 11.88% | 12.04% | -5 bps | |
| Net Worth / Assets | 12.67% | 12.40% | 12.25% | 12.10% | 11.82% | 11.94% | 11.88% | 12.04% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.44% | 85.26% | 86.07% | 86.73% | 86.53% | 88.60% | 84.88% | 85.18% | -154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |