Saint Joseph, MO · Charter 64208
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.90% | -1.66% | -1.21% | 1.96% | 0.26% | +216 bps | |
| Return on Equity | -13.58% | -12.03% | -8.74% | 14.12% | 1.85% | +1,544 bps | |
| Net Interest Margin | 3.72% | 3.72% | 3.79% | 3.75% | 1.87% | -185 bps | |
| Efficiency Ratio | 69.96% | 66.86% | 74.81% | 47.80% | 68.80% | -117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.68% | -6.27% | -4.92% | -2.29% | 3.79% | +846 bps | |
| Loan Growth (YoY) | 0.40% | 5.94% | 1.28% | -2.23% | -3.80% | -419 bps | |
| Share Growth (YoY) | -4.84% | -6.11% | -4.35% | -2.74% | 4.11% | +894 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.33% | 5.98% | 3.46% | 2.94% | 2.78% | -255 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.28% | 2.86% | 1.13% | 0.88% | 1.42% | -86 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.98% | 13.83% | 13.79% | 13.88% | 13.85% | -14 bps | |
| Net Worth / Assets | 13.98% | 13.83% | 13.79% | 13.88% | 13.85% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.10% | 111.62% | 105.46% | 102.37% | 100.82% | -828 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |