Springfield, MO · Charter 63306
NCUA · 6 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 | 1.31% | 1.35% | 1.77% | 1.50% | 1.52% | 1.45% | 0.82% | 1.13% | -38 bps | |
| Return on Equity | 11.63% | 11.61% | 14.94% | 12.64% | 12.18% | 11.44% | 6.66% | 9.05% | -359 bps | |
| Net Interest Margin | 3.71% | 3.81% | 4.18% | 4.13% | 4.25% | 4.22% | 3.94% | 3.96% | -17 bps | |
| Efficiency Ratio | 72.04% | 70.96% | 66.10% | 70.98% | 70.09% | 70.15% | 85.83% | 75.80% | +482 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | -0.15% | 1.10% | 1.88% | 2.13% | 3.25% | 6.26% | 5.84% | +396 bps | |
| Loan Growth (YoY) | 1.52% | -0.57% | 2.44% | 2.51% | 5.30% | 3.54% | 2.44% | 6.50% | +399 bps | |
| Share Growth (YoY) | 0.24% | -1.32% | -0.16% | 0.93% | 0.60% | 1.91% | 5.49% | 5.23% | +430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.26% | 0.19% | 0.07% | 0.26% | 0.45% | 0.10% | 0.36% | +28 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 | 11.23% | 11.59% | 11.85% | 11.90% | 12.50% | 12.68% | 12.33% | 12.46% | +56 bps | |
| Net Worth / Assets | 11.23% | 11.59% | 11.85% | 11.90% | 12.50% | 12.68% | 12.33% | 12.46% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.31% | 88.52% | 89.81% | 88.36% | 92.44% | 89.93% | 87.21% | 89.43% | +106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |