Jefferson City, MO · Charter 64199
NCUA · 3 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 | 0.34% | 0.42% | 0.54% | 0.70% | 0.89% | 1.00% | 1.10% | 1.17% | +47 bps | |
| Return on Equity | 3.58% | 4.47% | 5.72% | 7.45% | 9.36% | 10.52% | 11.49% | 12.04% | +459 bps | |
| Net Interest Margin | 2.29% | 2.30% | 2.47% | 2.52% | 2.54% | 2.52% | 2.59% | 2.64% | +12 bps | |
| Efficiency Ratio | 86.52% | 83.45% | 80.14% | 76.90% | 70.77% | 66.10% | 63.77% | 61.63% | -1,527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.13% | 8.15% | 7.79% | 7.27% | 9.48% | 11.20% | 10.61% | 10.10% | +283 bps | |
| Loan Growth (YoY) | -4.59% | -2.80% | -0.44% | 0.11% | 2.64% | 1.90% | 1.99% | 5.25% | +514 bps | |
| Share Growth (YoY) | 6.25% | 8.27% | 6.75% | 6.53% | 9.03% | 10.58% | 10.05% | 9.83% | +330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.05% | 0.05% | 0.06% | 0.05% | 0.06% | 0.13% | 0.20% | +14 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 | 9.47% | 9.47% | 9.36% | 9.39% | 9.46% | 9.50% | 9.58% | 9.75% | +36 bps | |
| Net Worth / Assets | 9.47% | 9.47% | 9.36% | 9.39% | 9.46% | 9.50% | 9.58% | 9.75% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.91% | 76.15% | 74.76% | 72.92% | 72.40% | 70.18% | 69.28% | 69.88% | -304 bps | |
| Liquid Assets / Assets | 99.49% | 99.64% | 98.95% | 99.11% | 98.86% | 99.78% | 0.00% | 0.00% | -9,911 bps | |