Fenton, MO · Charter 63789
NCUA · 6 branches
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 | 0.62% | 0.68% | 0.66% | 0.82% | 0.75% | 0.73% | 0.65% | 0.68% | -14 bps | |
| Return on Equity | 5.35% | 5.82% | 5.62% | 6.73% | 6.49% | 6.38% | 5.93% | 6.07% | -66 bps | |
| Net Interest Margin | 2.92% | 2.94% | 3.10% | 3.21% | 3.04% | 3.04% | 2.89% | 2.97% | -25 bps | |
| Efficiency Ratio | 80.53% | 79.56% | 78.43% | 76.15% | 77.29% | 77.35% | 74.73% | 77.12% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.79% | -4.03% | -3.74% | -2.70% | 4.82% | 6.67% | 12.51% | 14.17% | +1,687 bps | |
| Loan Growth (YoY) | -0.47% | -4.08% | -3.65% | -2.47% | -2.55% | -0.43% | -0.41% | 4.42% | +689 bps | |
| Share Growth (YoY) | 5.34% | -6.35% | -3.42% | -2.73% | 0.15% | 6.95% | 12.62% | 13.01% | +1,574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.71% | 0.54% | 0.50% | 0.61% | 1.14% | 0.53% | 0.69% | +19 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 | 11.53% | 11.63% | 11.80% | 12.19% | 11.60% | 11.48% | 11.03% | 11.18% | -101 bps | |
| Net Worth / Assets | 11.53% | 11.63% | 11.80% | 12.19% | 11.60% | 11.48% | 11.03% | 11.18% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 115.77% | 120.07% | 116.82% | 115.34% | 112.65% | 111.79% | 103.30% | 106.57% | -877 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |