St Joseph, MO · Charter 63606
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 | 1.62% | 1.41% | 1.19% | 1.32% | 1.41% | 1.21% | 0.91% | 0.95% | -38 bps | |
| Return on Equity | 10.94% | 9.39% | 8.19% | 8.78% | 9.12% | 7.79% | 5.99% | 6.02% | -275 bps | |
| Net Interest Margin | 4.33% | 4.34% | 4.06% | 4.21% | 4.29% | 4.26% | 4.04% | 4.13% | -8 bps | |
| Efficiency Ratio | 70.31% | 72.77% | 73.11% | 75.54% | 74.51% | 76.43% | 79.92% | 81.00% | +547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.04% | 4.04% | 5.10% | 5.13% | 4.06% | 5.23% | 3.02% | 2.59% | -255 bps | |
| Loan Growth (YoY) | -14.23% | -12.33% | -8.09% | -4.13% | -1.04% | 2.07% | -0.50% | -1.27% | +286 bps | |
| Share Growth (YoY) | 0.58% | 2.86% | 3.49% | 4.53% | 2.40% | 4.41% | 2.95% | 1.60% | -293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.59% | 0.57% | 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 | 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 | 14.81% | 15.00% | 14.52% | 15.08% | 15.52% | 15.50% | 15.24% | 15.71% | +63 bps | |
| Net Worth / Assets | 14.81% | 15.00% | 14.52% | 15.08% | 15.52% | 15.50% | 15.24% | 15.71% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.35% | 74.68% | 70.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |