Conservation Employees
Jefferson City, MO · Charter 64199 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$194.9MAssets
$123.4MLoans
$176.5MShares
$19.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets (rank 141 of 1681).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets (rank 1588 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.17%
Rank 423 of 1,683
Net Interest Margin
2.64%
Rank 1,588 of 1,683
Efficiency Ratio
61.65%
Rank 214 of 1,682
Equity / Assets
9.75%
Rank 1,387 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 75% | 423 / 1,683 | | |
| Return on Equity | 12.05% | 2.67% | 5.89% | 8.74% | Beats 92% | 141 / 1,681 | | |
| Net Interest Margin | 2.64% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,588 / 1,683 | | |
| Efficiency Ratio | 61.65% | 68.91% | 78.20% | 86.93% | Beats 87% | 214 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 336 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.75% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,387 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.75% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,387 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.88% | 52.61% | 69.38% | 83.50% | 51st pctl | 828 / 1,683 | | |
| Loans / Assets | 63.29% | 44.71% | 59.18% | 70.72% | 59th pctl | 689 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |