Springfield, MO · Charter 63116
NCUA · 7 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 | 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 | |