Lees Summit, MO · Charter 64036
NCUA · 3 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 | 0.57% | 0.52% | 0.88% | -1.29% | -0.60% | -0.26% | -0.03% | 0.29% | +158 bps | |
| Return on Equity | 5.33% | 4.88% | 8.18% | -14.68% | -6.76% | -2.87% | -0.29% | 3.09% | +1,778 bps | |
| Net Interest Margin | 4.59% | 4.65% | 4.85% | 4.21% | 4.19% | 4.21% | 4.00% | 4.17% | -4 bps | |
| Efficiency Ratio | 74.49% | 73.09% | 63.87% | 108.58% | 98.70% | 92.88% | 88.12% | 82.33% | -2,625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.79% | 0.93% | 1.79% | 57.83% | 61.09% | 58.90% | 58.92% | 0.48% | -5,736 bps | |
| Loan Growth (YoY) | -8.46% | -3.30% | -0.47% | 24.26% | 24.59% | 23.73% | 23.79% | 0.44% | -2,382 bps | |
| Share Growth (YoY) | -2.81% | 0.44% | 0.47% | 64.09% | 66.69% | 64.59% | 66.54% | 0.03% | -6,405 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.53% | 0.45% | 0.83% | 0.60% | 0.55% | 0.57% | 0.85% | +2 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 | 10.77% | 10.72% | 10.77% | 8.81% | 8.92% | 9.13% | 8.98% | 9.27% | +45 bps | |
| Net Worth / Assets | 10.77% | 10.72% | 10.77% | 8.81% | 8.92% | 9.13% | 8.98% | 9.27% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.63% | 94.03% | 92.96% | 68.76% | 69.23% | 70.69% | 69.10% | 69.04% | +28 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |