PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Missouri Central

Lees Summit, MO · Charter 64036

NCUA · 3 branches

Q2 2026

$123.3MAssets
$78.4MLoans
$113.5MShares
$11.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.29%, up 158 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.85% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.27%, up 45 bps from a year ago.
  • Funding: loans stand at 69.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+158 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-4 bps YoY

Efficiency Ratio (YTD, annualized)

82.33%-2,625 bps YoY

Net Worth / Assets

9.27%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.29%-0.60%-0.26%-0.03%0.29%+158 bps
Return on Equity-14.68%-6.76%-2.87%-0.29%3.09%+1,778 bps
Net Interest Margin4.21%4.19%4.21%4.00%4.17%-4 bps
Efficiency Ratio108.58%98.70%92.88%88.12%82.33%-2,625 bps
Growth
Asset Growth (YoY)57.83%61.09%58.90%58.92%0.48%-5,736 bps
Loan Growth (YoY)24.26%24.59%23.73%23.79%0.44%-2,382 bps
Share Growth (YoY)64.09%66.69%64.59%66.54%0.03%-6,405 bps
Asset Quality
Delinquent Loans / Loans0.83%0.60%0.55%0.57%0.85%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.81%8.92%9.13%8.98%9.27%+45 bps
Net Worth / Assets8.81%8.92%9.13%8.98%9.27%+45 bps
Liquidity & Funding
Loans / Shares68.76%69.23%70.69%69.10%69.04%+28 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps