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
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 | 0.30% | 0.27% | -0.90% | -0.44% | -0.29% | -0.29% | -1.50% | -0.91% | -46 bps | |
| Return on Equity | 3.35% | 2.93% | -9.99% | -4.86% | -3.24% | -3.19% | -17.37% | -10.80% | -594 bps | |
| Net Interest Margin | 3.64% | 3.72% | 3.79% | 3.95% | 3.97% | 4.08% | 4.03% | 4.10% | +15 bps | |
| Efficiency Ratio | 87.68% | 88.19% | 102.58% | 99.02% | 97.77% | 96.87% | 111.19% | 107.86% | +884 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.77% | -2.77% | -5.66% | -4.62% | -1.64% | -3.22% | -0.58% | 1.89% | +651 bps | |
| Loan Growth (YoY) | -3.15% | 1.43% | 3.69% | 5.28% | 2.48% | -0.33% | 1.71% | 1.33% | -396 bps | |
| Share Growth (YoY) | -4.37% | -3.10% | -2.39% | -1.36% | -0.51% | -2.21% | -0.24% | 5.66% | +702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.46% | 0.36% | 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 | 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 | 9.02% | 9.09% | 9.03% | 9.09% | 8.97% | 9.09% | 8.63% | 8.39% | -70 bps | |
| Net Worth / Assets | 9.02% | 9.09% | 9.03% | 9.09% | 8.97% | 9.09% | 8.63% | 8.39% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.38% | 77.90% | 77.31% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||