St Joseph, MO · Charter 63606
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.41% | 1.21% | 0.91% | 0.95% | -38 bps | |
| Return on Equity | 8.78% | 9.12% | 7.79% | 5.99% | 6.02% | -275 bps | |
| Net Interest Margin | 4.21% | 4.29% | 4.26% | 4.04% | 4.13% | -8 bps | |
| Efficiency Ratio | 75.54% | 74.51% | 76.43% | 79.92% | 81.00% | +547 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.13% | 4.06% | 5.23% | 3.02% | 2.59% | -255 bps | |
| Loan Growth (YoY) | -4.13% | -1.04% | 2.07% | -0.50% | -1.27% | +286 bps | |
| Share Growth (YoY) | 4.53% | 2.40% | 4.41% | 2.95% | 1.60% | -293 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.64% | 0.35% | 0.58% | 0.50% | +26 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.08% | 15.52% | 15.50% | 15.24% | 15.71% | +63 bps | |
| Net Worth / Assets | 15.08% | 15.52% | 15.50% | 15.24% | 15.71% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.59% | 73.78% | 73.01% | 68.60% | 70.54% | -205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |