Springfield, MO · Charter 63389
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
6
Asset Quality
83
Profitability
24
Liquidity
68
Efficiency
5
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.
Springfield, MO · Charter 63389
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.29% | -0.29% | -1.50% | -0.91% | -46 bps | |
| Return on Equity | -4.86% | -3.24% | -3.19% | -17.37% | -10.80% | -594 bps | |
| Net Interest Margin | 3.95% | 3.97% | 4.08% | 4.03% | 4.10% | +15 bps | |
| Efficiency Ratio | 99.02% | 97.77% | 96.87% | 111.19% | 107.86% | +884 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.62% | -1.64% | -3.22% | -0.58% | 1.89% | +651 bps | |
| Loan Growth (YoY) | 5.28% | 2.48% | -0.33% | 1.71% | 1.33% | -396 bps | |
| Share Growth (YoY) | -1.36% | -0.51% | -2.21% | -0.24% | 5.66% | +702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.09% | 0.30% | 0.12% | 0.14% | -7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.09% | 8.97% | 9.09% | 8.63% | 8.39% | -70 bps | |
| Net Worth / Assets | 9.09% | 8.97% | 9.09% | 8.63% | 8.39% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.94% | 78.67% | 79.40% | 78.82% | 76.66% | -328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, MO · Charter 63389 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.90%
Rank 1,607 of 1,683
Net Interest Margin
4.10%
Rank 593 of 1,683
Efficiency Ratio
107.81%
Rank 1,603 of 1,682
Equity / Assets
8.39%
Rank 1,588 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.90% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,607 / 1,683 | |
| Return on Equity | -10.79% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,626 / 1,681 | |
| Net Interest Margin | 4.10% | 3.31% | 3.82% | 4.32% | Beats 65% | 593 / 1,683 | |
| Efficiency Ratio | 107.81% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,603 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 281 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.39% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,588 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.39% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,588 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.66% | 52.61% | 69.38% | 83.50% | 63rd pctl | 623 / 1,683 | |
| Loans / Assets | 69.69% | 44.71% | 59.18% | 70.72% | 73rd pctl | 457 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||