Saint Joseph, MO · Charter 64145
NCUA · 2 branches
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 | 1.13% | 1.16% | 1.25% | 0.86% | 1.22% | 1.06% | 1.20% | 1.05% | +20 bps | |
| Return on Equity | 12.17% | 12.14% | 13.11% | 8.90% | 12.48% | 10.94% | 12.30% | 10.70% | +180 bps | |
| Net Interest Margin | 3.36% | 3.35% | 3.28% | 3.42% | 3.47% | 3.35% | 3.29% | 3.30% | -12 bps | |
| Efficiency Ratio | 68.76% | 69.32% | 62.32% | 65.90% | 61.12% | 64.66% | 66.38% | 64.45% | -145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.20% | 8.21% | 5.88% | 7.35% | 4.84% | 9.24% | 9.52% | 10.33% | +299 bps | |
| Loan Growth (YoY) | 11.19% | 7.85% | 4.85% | 8.13% | 8.07% | 9.97% | 13.31% | 14.35% | +622 bps | |
| Share Growth (YoY) | 5.68% | 7.61% | 5.36% | 6.89% | 4.23% | 9.11% | 9.03% | 10.23% | +334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.31% | 0.29% | 0.27% | 0.49% | 0.55% | 0.58% | 0.38% | +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 | 9.27% | 9.54% | 9.52% | 9.62% | 9.77% | 9.69% | 9.79% | 9.86% | +24 bps | |
| Net Worth / Assets | 9.27% | 9.54% | 9.52% | 9.62% | 9.77% | 9.69% | 9.79% | 9.86% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.87% | 81.17% | 80.00% | 83.97% | 85.92% | 81.81% | 83.14% | 87.10% | +314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |