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Mexico, MO · Charter 62960

NCUA · 1 branch

Q2 2026

$43.7MAssets
$19.2MLoans
$38.5MShares
$5.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.30%, down 66 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.68% of loans (-129 bps YoY).
  • Capital: net worth / assets of 13.17%, down 207 bps from a year ago.
  • Funding: loans stand at 49.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%-66 bps YoY

Net Interest Margin (YTD, annualized)

3.82%-94 bps YoY

Efficiency Ratio (YTD, annualized)

60.63%-506 bps YoY

Net Worth / Assets

13.17%-207 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.96%1.68%1.10%1.82%1.30%-66 bps
Return on Equity12.90%11.22%7.79%13.84%9.88%-302 bps
Net Interest Margin4.76%4.60%4.23%3.76%3.82%-94 bps
Efficiency Ratio65.69%67.02%76.19%39.24%60.63%-506 bps
Growth
Asset Growth (YoY)1.44%7.70%15.84%22.65%24.17%+2,273 bps
Loan Growth (YoY)-6.58%-5.70%-2.64%0.32%0.21%+678 bps
Share Growth (YoY)1.75%8.49%20.06%24.60%27.31%+2,556 bps
Asset Quality
Delinquent Loans / Loans1.97%1.48%0.27%0.07%0.68%-129 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.23%15.00%14.07%13.19%13.17%-207 bps
Net Worth / Assets15.23%15.00%14.07%13.19%13.17%-207 bps
Liquidity & Funding
Loans / Shares63.20%61.78%57.09%52.25%49.74%-1,345 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps