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 | |