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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 (quarter, annualized)

0.58%-4 bps YoY

Net Interest Margin (quarter, annualized)

2.55%+35 bps YoY

Efficiency Ratio (quarter, annualized)

71.98%-223 bps YoY

Net Worth / Assets

9.74%-62 bps YoY

Discrete quarter, annualized.

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