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De Soto MO Pac

De Soto, MO · Charter 63507

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the St. Louis, MO-IL area3

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 in the St. Louis, MO-IL area (n=26 to 27). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

74

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

De Soto MO Pac

De Soto, MO · Charter 63507

NCUA · 1 branch

Q2 2026

$30.5MAssets
$20.5MLoans
$27.4MShares
$3.0MNet 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 0.58%, down 4 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 1.33% of loans (+87 bps YoY).
  • Capital: net worth / assets of 9.74%, down 62 bps from a year ago.
  • Funding: loans stand at 74.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+35 bps YoY

Efficiency Ratio (YTD, annualized)

71.98%-223 bps YoY

Net Worth / Assets

9.74%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.61%0.53%0.60%0.58%-4 bps
Return on Equity5.94%5.82%5.11%6.11%5.94%0 bps
Net Interest Margin2.20%2.22%2.21%2.36%2.55%+35 bps
Efficiency Ratio74.21%74.88%77.09%71.39%71.98%-223 bps
Growth
Asset Growth (YoY)23.47%21.60%19.20%16.10%12.14%-1,132 bps
Loan Growth (YoY)6.93%5.73%5.47%5.37%5.37%-156 bps
Share Growth (YoY)26.02%23.94%21.01%17.58%12.96%-1,306 bps
Asset Quality
Delinquent Loans / Loans0.46%0.73%0.76%0.79%1.33%+87 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 Capital10.36%10.44%10.33%9.74%9.74%-62 bps
Net Worth / Assets10.36%10.44%10.33%9.74%9.74%-62 bps
Liquidity & Funding
Loans / Shares80.21%81.56%79.69%74.50%74.82%-539 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

De Soto MO Pac

De Soto, MO · Charter 63507 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)

NCUA · 1 branch

Q2 2026

$30.5MAssets
$20.5MLoans
$27.4MShares
$3.0MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 8 of 27).
  • Widest gap: net interest margin trails 93% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 25 of 27).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.58%

Rank 15 of 27

Net Interest Margin

2.56%

Rank 25 of 27

Efficiency Ratio

72.03%

Rank 8 of 27

Equity / Assets

9.74%

Rank 18 of 27

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.25%0.67%0.86%Beats 44%15 / 27
Return on Equity5.92%2.16%5.85%7.25%Beats 54%12 / 26
Net Interest Margin2.56%3.01%3.75%4.07%Beats 7%25 / 27
Efficiency Ratio72.03%71.97%77.45%89.37%Beats 74%8 / 27
Asset Quality
Nonperforming Loans / Loans1.33%0.24%0.77%1.40%Beats 30%20 / 27
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.74%9.38%10.56%15.42%Beats 33%18 / 27
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.74%9.38%10.56%15.42%Beats 33%18 / 27
Liquidity & Funding
Loans / Deposits74.82%56.38%74.82%87.76%48th pctl14 / 27
Loans / Assets67.28%50.27%64.80%77.37%52nd pctl13 / 27
Brokered Deposits / Depositsn/aNot reported for this institution