Clayton, MO · Charter 64056
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 | 1.20% | 0.83% | -0.43% | 0.32% | 0.54% | 0.31% | -0.33% | -0.14% | -45 bps | |
| Return on Equity | 9.99% | 6.96% | -3.68% | 2.63% | 4.44% | 2.63% | -2.85% | -1.18% | -380 bps | |
| Net Interest Margin | 4.46% | 4.60% | 4.69% | 4.92% | 5.24% | 4.79% | 4.67% | 4.80% | -11 bps | |
| Efficiency Ratio | 78.83% | 82.03% | 95.98% | 87.81% | 83.98% | 88.67% | 93.57% | 95.85% | +804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.15% | 1.61% | 2.09% | 1.85% | -0.75% | 1.23% | 2.49% | 1.94% | +10 bps | |
| Loan Growth (YoY) | 2.52% | 5.92% | 1.39% | -2.39% | -5.71% | -5.61% | -0.08% | 3.78% | +617 bps | |
| Share Growth (YoY) | 1.22% | 1.10% | 1.78% | 1.81% | -0.35% | 0.98% | 2.86% | 2.49% | +68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 0.91% | 1.90% | 2.21% | 1.02% | 0.97% | 0.57% | 0.99% | -122 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 | 12.04% | 11.89% | 11.66% | 11.99% | 12.21% | 11.82% | 11.47% | 11.61% | -38 bps | |
| Net Worth / Assets | 12.04% | 11.89% | 11.66% | 11.99% | 12.21% | 11.82% | 11.47% | 11.61% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.98% | 57.41% | 53.82% | 53.68% | 52.02% | 53.67% | 52.28% | 54.35% | +67 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |