De Soto, MO · Charter 63507
NCUA · 1 branch
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 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.
Capital
33
Asset Quality
30
Profitability
35
Liquidity
100
Efficiency
74
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.
De Soto, MO · Charter 63507
NCUA · 1 branch
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 | 0.80% | 0.69% | 0.65% | 0.62% | 0.61% | 0.53% | 0.60% | 0.58% | -4 bps | |
| Return on Equity | 6.69% | 5.91% | 6.02% | 5.94% | 5.82% | 5.11% | 6.11% | 5.94% | 0 bps | |
| Net Interest Margin | 2.93% | 2.76% | 2.30% | 2.20% | 2.22% | 2.21% | 2.36% | 2.55% | +35 bps | |
| Efficiency Ratio | 70.64% | 72.98% | 72.36% | 74.21% | 74.88% | 77.09% | 71.39% | 71.98% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 13.15% | 21.64% | 23.47% | 21.60% | 19.20% | 16.10% | 12.14% | -1,132 bps | |
| Loan Growth (YoY) | 12.13% | 7.67% | 5.97% | 6.93% | 5.73% | 5.47% | 5.37% | 5.37% | -156 bps | |
| Share Growth (YoY) | 9.12% | 14.53% | 23.96% | 26.02% | 23.94% | 21.01% | 17.58% | 12.96% | -1,306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.75% | 0.27% | 0.46% | 0.73% | 0.76% | 0.79% | 1.33% | +87 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 | 12.02% | 11.68% | 10.73% | 10.36% | 10.44% | 10.33% | 9.74% | 9.74% | -62 bps | |
| Net Worth / Assets | 12.02% | 11.68% | 10.73% | 10.36% | 10.44% | 10.33% | 9.74% | 9.74% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.61% | 91.43% | 83.13% | 80.21% | 81.56% | 79.69% | 74.50% | 74.82% | -539 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.25% | 0.67% | 0.86% | Beats 44% | 15 / 27 | ||
| Return on Equity | 5.92% | 2.16% | 5.85% | 7.25% | Beats 54% | 12 / 26 | ||
| Net Interest Margin | 2.56% | 3.01% | 3.75% | 4.07% | Beats 7% | 25 / 27 | ||
| Efficiency Ratio | 72.03% | 71.97% | 77.45% | 89.37% | Beats 74% | 8 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.24% | 0.77% | 1.40% | Beats 30% | 20 / 27 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.74% | 9.38% | 10.56% | 15.42% | Beats 33% | 18 / 27 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.74% | 9.38% | 10.56% | 15.42% | Beats 33% | 18 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.82% | 56.38% | 74.82% | 87.76% | 48th pctl | 14 / 27 | ||
| Loans / Assets | 67.28% | 50.27% | 64.80% | 77.37% | 52nd pctl | 13 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||