De Soto, MO · Charter 63507
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |