Columbia, MO · Charter 62930
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 0.94% | 0.15% | 0.23% | 0.23% | 0.16% | 1.18% | 1.17% | +94 bps | |
| Return on Equity | 12.36% | 9.19% | 1.42% | 2.28% | 2.37% | 1.70% | 12.13% | 11.80% | +952 bps | |
| Net Interest Margin | 5.41% | 5.46% | 5.30% | 5.23% | 5.14% | 5.20% | 5.23% | 5.18% | -6 bps | |
| Efficiency Ratio | 80.18% | 85.22% | 97.21% | 95.98% | 95.87% | 97.06% | 81.69% | 81.51% | -1,447 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.01% | -3.04% | -1.99% | 2.16% | 7.09% | 8.01% | 9.91% | 8.52% | +636 bps | |
| Loan Growth (YoY) | -10.88% | -12.96% | -10.08% | -1.88% | 4.90% | 10.74% | 9.22% | 6.45% | +832 bps | |
| Share Growth (YoY) | -8.05% | -4.39% | -2.91% | 1.74% | 7.79% | 8.50% | 10.41% | 8.12% | +637 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.14% | 0.12% | 0.16% | 0.10% | 0.09% | 0.08% | 0.07% | -8 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 | 10.22% | 10.28% | 10.26% | 10.03% | 9.71% | 9.68% | 9.76% | 9.87% | -15 bps | |
| Net Worth / Assets | 10.22% | 10.28% | 10.26% | 10.03% | 9.71% | 9.68% | 9.76% | 9.87% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.21% | 65.43% | 65.25% | 66.02% | 67.35% | 66.78% | 64.54% | 65.00% | -102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |