Sikeston, MO · Charter 63830
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% | 0.87% | 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 | |