PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Health Care Family

Saint Louis, MO · Charter 63249

NCUA · 2 branches

Q2 2026

$75.2MAssets
$54.1MLoans
$62.9MShares
$11.9MNet 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 0.54%, down 32 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 2.42% of loans (+10 bps YoY).
  • Capital: net worth / assets of 15.80%, up 77 bps from a year ago.
  • Funding: loans stand at 85.97% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.54%-32 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+2 bps YoY

Efficiency Ratio (quarter, annualized)

82.79%+516 bps YoY

Net Worth / Assets

15.80%+77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.85%0.95%0.63%0.54%-32 bps
Return on Equity5.76%5.54%5.88%4.03%3.44%-232 bps
Net Interest Margin3.77%3.83%3.98%3.79%3.79%+2 bps
Efficiency Ratio77.63%77.77%76.73%79.02%82.79%+516 bps
Growth
Asset Growth (YoY)1.10%0.53%-4.43%-1.15%-0.28%-138 bps
Loan Growth (YoY)1.90%2.19%2.78%2.32%1.65%-25 bps
Share Growth (YoY)2.13%0.43%-2.24%-2.26%-1.05%-318 bps
Asset Quality
Delinquent Loans / Loans2.32%2.29%2.48%2.07%2.42%+10 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 Capital15.03%15.28%16.07%15.74%15.80%+77 bps
Net Worth / Assets15.03%15.28%16.07%15.74%15.80%+77 bps
Liquidity & Funding
Loans / Shares83.68%86.02%88.96%85.63%85.97%+229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps