Saint Louis, MO · Charter 63249
NCUA · 2 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 | 0.82% | 0.73% | 0.72% | 0.87% | 0.85% | 0.95% | 0.63% | 0.54% | -32 bps | |
| Return on Equity | 5.61% | 5.07% | 4.89% | 5.76% | 5.54% | 5.88% | 4.03% | 3.44% | -232 bps | |
| Net Interest Margin | 3.55% | 3.53% | 3.67% | 3.77% | 3.83% | 3.98% | 3.79% | 3.79% | +2 bps | |
| Efficiency Ratio | 78.83% | 77.98% | 77.79% | 77.63% | 77.77% | 76.73% | 79.02% | 82.79% | +516 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.63% | 2.23% | 1.74% | 1.10% | 0.53% | -4.43% | -1.15% | -0.28% | -138 bps | |
| Loan Growth (YoY) | 2.49% | 4.92% | 3.52% | 1.90% | 2.19% | 2.78% | 2.32% | 1.65% | -25 bps | |
| Share Growth (YoY) | 2.11% | 4.12% | 3.17% | 2.13% | 0.43% | -2.24% | -2.26% | -1.05% | -318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.71% | 0.80% | 2.32% | 2.29% | 2.48% | 2.07% | 2.42% | +10 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 | 14.61% | 14.48% | 14.70% | 15.03% | 15.28% | 16.07% | 15.74% | 15.80% | +77 bps | |
| Net Worth / Assets | 14.61% | 14.48% | 14.70% | 15.03% | 15.28% | 16.07% | 15.74% | 15.80% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.53% | 84.62% | 81.79% | 83.68% | 86.02% | 88.96% | 85.63% | 85.97% | +229 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |