Macon, MO · Charter 63844
NCUA · 2 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 | 0.36% | 0.31% | 0.57% | 0.73% | 0.86% | 0.84% | 0.28% | 0.34% | -39 bps | |
| Return on Equity | 3.25% | 2.82% | 5.20% | 6.44% | 7.34% | 6.97% | 2.37% | 2.91% | -353 bps | |
| Net Interest Margin | 3.76% | 3.67% | 3.72% | 3.95% | 4.07% | 4.12% | 4.07% | 4.05% | +11 bps | |
| Efficiency Ratio | 83.90% | 84.43% | 83.04% | 80.25% | 78.67% | 79.14% | 84.46% | 86.06% | +581 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.26% | 4.13% | 4.10% | 1.24% | 1.58% | -2.25% | -3.13% | 1.75% | +51 bps | |
| Loan Growth (YoY) | 3.65% | 0.28% | -3.48% | -3.19% | -5.64% | -6.27% | -6.77% | -6.18% | -300 bps | |
| Share Growth (YoY) | -0.42% | 4.50% | 3.06% | 0.68% | 1.51% | -3.75% | -3.91% | 0.69% | +1 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.03% | 0.93% | 0.73% | 0.69% | 0.69% | 1.08% | 0.84% | +11 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 | 11.23% | 10.90% | 10.88% | 11.40% | 11.74% | 11.98% | 11.99% | 11.83% | +43 bps | |
| Net Worth / Assets | 11.23% | 10.90% | 10.88% | 11.40% | 11.74% | 11.98% | 11.99% | 11.83% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.27% | 76.15% | 74.39% | 76.02% | 75.55% | 74.15% | 72.18% | 70.83% | -519 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |