Springfield, MO · Charter 63116
NCUA · 7 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
53
Asset Quality
76
Profitability
48
Liquidity
29
Efficiency
38
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 63116
NCUA · 7 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 | 0.55% | 0.65% | 0.25% | 0.36% | 0.43% | 0.41% | 0.39% | 0.54% | +18 bps | |
| Return on Equity | 4.12% | 4.72% | 1.85% | 2.68% | 3.21% | 3.02% | 2.93% | 4.07% | +140 bps | |
| Net Interest Margin | 3.69% | 3.80% | 3.88% | 4.01% | 4.03% | 4.10% | 4.16% | 4.22% | +20 bps | |
| Efficiency Ratio | 79.28% | 78.94% | 88.24% | 86.12% | 84.62% | 84.56% | 82.75% | 82.12% | -400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.12% | 3.13% | 5.78% | 4.65% | 4.28% | 5.05% | 3.12% | 5.91% | +126 bps | |
| Loan Growth (YoY) | 4.96% | 3.61% | 2.71% | 3.79% | 6.15% | 7.32% | 10.52% | 10.49% | +670 bps | |
| Share Growth (YoY) | 1.63% | 3.25% | 5.78% | 4.61% | 4.25% | 4.45% | 2.63% | 3.86% | -76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.43% | 0.34% | 0.42% | 0.36% | 0.40% | 0.28% | 0.25% | -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 | 13.43% | 13.75% | 13.29% | 13.46% | 13.40% | 13.48% | 13.31% | 13.18% | -28 bps | |
| Net Worth / Assets | 13.43% | 13.75% | 13.29% | 13.46% | 13.40% | 13.48% | 13.31% | 13.18% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.31% | 80.98% | 77.80% | 80.45% | 81.78% | 83.21% | 83.78% | 85.59% | +514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MO · Charter 63116 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.54%
Rank 1,085 of 1,683
Net Interest Margin
4.22%
Rank 492 of 1,683
Efficiency Ratio
82.12%
Rank 1,041 of 1,682
Equity / Assets
13.18%
Rank 787 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,085 / 1,683 | ||
| Return on Equity | 4.07% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,081 / 1,681 | ||
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 492 / 1,683 | ||
| Efficiency Ratio | 82.12% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,041 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 401 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.18% | 10.44% | 12.89% | 16.53% | Beats 53% | 787 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.18% | 10.44% | 12.89% | 16.53% | Beats 53% | 787 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.59% | 52.61% | 69.38% | 83.50% | 79th pctl | 361 / 1,683 | ||
| Loans / Assets | 72.52% | 44.71% | 59.18% | 70.72% | 79th pctl | 356 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||