Sikeston, MO · Charter 63830
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
15
Profitability
64
Liquidity
58
Efficiency
98
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sikeston, MO · Charter 63830
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 | 0.80% | 0.87% | 0.83% | 1.11% | 1.34% | 1.38% | 1.22% | 1.46% | +35 bps | |
| Return on Equity | 4.56% | 4.83% | 4.72% | 6.79% | 7.74% | 7.80% | 6.55% | 7.75% | +96 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.39% | 3.19% | 3.33% | 3.39% | 3.65% | 3.65% | +46 bps | |
| Efficiency Ratio | 52.51% | 52.02% | 48.55% | 47.76% | 47.67% | 47.05% | 44.94% | 45.08% | -268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 0.67% | 3.82% | 11.01% | 9.78% | 9.60% | 2.88% | -5.43% | -1,644 bps | |
| Loan Growth (YoY) | -3.05% | -0.07% | -0.26% | 4.90% | -3.92% | -4.19% | -5.89% | -9.90% | -1,480 bps | |
| Share Growth (YoY) | 0.27% | -0.25% | 3.67% | 11.92% | 10.17% | 9.83% | 1.56% | -8.29% | -2,021 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 2.49% | 0.67% | 0.85% | 0.99% | 1.00% | 1.90% | 1.89% | +103 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 | 1.35% | 1.53% | 0.77% | 0.90% | 0.98% | 1.02% | 1.51% | 1.24% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.61% | 17.92% | 17.52% | 16.41% | 17.28% | 17.73% | 18.56% | 18.91% | +250 bps | |
| Net Worth / Assets | 17.61% | 17.92% | 17.52% | 16.41% | 17.28% | 17.73% | 18.56% | 18.91% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.25% | 66.07% | 62.36% | 57.48% | 58.65% | 57.64% | 57.79% | 56.47% | -101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sikeston, MO · Charter 63830 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.46%
Rank 267 of 1,683
Net Interest Margin
3.67%
Rank 971 of 1,683
Efficiency Ratio
44.23%
Rank 30 of 1,682
Equity / Assets
18.92%
Rank 275 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.35% | 0.74% | 1.18% | Beats 84% | 267 / 1,683 | ||
| Return on Equity | 7.69% | 2.67% | 5.89% | 8.74% | Beats 67% | 557 / 1,681 | ||
| Net Interest Margin | 3.67% | 3.31% | 3.82% | 4.32% | Beats 42% | 971 / 1,683 | ||
| Efficiency Ratio | 44.23% | 68.91% | 78.20% | 86.93% | Beats 98% | 30 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.87% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,424 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.92% | 10.44% | 12.89% | 16.53% | Beats 84% | 275 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.92% | 10.44% | 12.89% | 16.53% | Beats 84% | 275 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.48% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,175 / 1,683 | ||
| Loans / Assets | 45.73% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,239 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||