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Multi-States

Springfield, MO · Charter 63306

NCUA · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Multi-States

Springfield, MO · Charter 63306

NCUA · 6 branches

Q2 2026

$90.9MAssets
$70.6MLoans
$78.9MShares
$11.3MNet 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 1.13%, down 38 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.36% of loans (+28 bps YoY).
  • Capital: net worth / assets of 12.46%, up 56 bps from a year ago.
  • Funding: loans stand at 89.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%-38 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-17 bps YoY

Efficiency Ratio (YTD, annualized)

75.80%+482 bps YoY

Net Worth / Assets

12.46%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.52%1.45%0.82%1.13%-38 bps
Return on Equity12.64%12.18%11.44%6.66%9.05%-359 bps
Net Interest Margin4.13%4.25%4.22%3.94%3.96%-17 bps
Efficiency Ratio70.98%70.09%70.15%85.83%75.80%+482 bps
Growth
Asset Growth (YoY)1.88%2.13%3.25%6.26%5.84%+396 bps
Loan Growth (YoY)2.51%5.30%3.54%2.44%6.50%+399 bps
Share Growth (YoY)0.93%0.60%1.91%5.49%5.23%+430 bps
Asset Quality
Delinquent Loans / Loans0.07%0.26%0.45%0.10%0.36%+28 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 Capital11.90%12.50%12.68%12.33%12.46%+56 bps
Net Worth / Assets11.90%12.50%12.68%12.33%12.46%+56 bps
Liquidity & Funding
Loans / Shares88.36%92.44%89.93%87.21%89.43%+106 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Multi-States

Springfield, MO · Charter 63306 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 6 branches

Q2 2026

$90.9MAssets
$70.6MLoans
$78.9MShares
$11.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 77% of credit unions under $1B in assets (rank 388 of 1681).
  • Widest gap: equity / assets trails 55% of credit unions under $1B in assets (rank 919 of 1683).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.13%

Rank 479 of 1,683

Net Interest Margin

3.96%

Rank 700 of 1,683

Efficiency Ratio

75.81%

Rank 714 of 1,682

Equity / Assets

12.46%

Rank 919 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.35%0.74%1.18%Beats 72%479 / 1,683
Return on Equity9.05%2.67%5.89%8.74%Beats 77%388 / 1,681
Net Interest Margin3.96%3.31%3.82%4.32%Beats 58%700 / 1,683
Efficiency Ratio75.81%68.91%78.20%86.93%Beats 58%714 / 1,682
Asset Quality
Nonperforming Loans / Loans0.36%0.26%0.65%1.29%Beats 69%526 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.46%10.44%12.89%16.53%Beats 45%919 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.46%10.44%12.89%16.53%Beats 45%919 / 1,683
Liquidity & Funding
Loans / Deposits89.43%52.61%69.38%83.50%85th pctl252 / 1,683
Loans / Assets77.65%44.71%59.18%70.72%88th pctl200 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution