Saint Joseph, MO · Charter 64208
NCUA · 1 branch
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 | 0.26% | 0.13% | -2.62% | -1.90% | -1.66% | -1.21% | 1.96% | 0.26% | +216 bps | |
| Return on Equity | 1.84% | 0.92% | -19.30% | -13.58% | -12.03% | -8.74% | 14.12% | 1.85% | +1,544 bps | |
| Net Interest Margin | 3.92% | 3.87% | 3.19% | 3.72% | 3.72% | 3.79% | 3.75% | 1.87% | -185 bps | |
| Efficiency Ratio | 64.32% | 70.81% | 77.59% | 69.96% | 66.86% | 74.81% | 47.80% | 68.80% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | -1.17% | -1.62% | -4.68% | -6.27% | -4.92% | -2.29% | 3.79% | +846 bps | |
| Loan Growth (YoY) | -8.31% | -7.14% | -3.37% | 0.40% | 5.94% | 1.28% | -2.23% | -3.80% | -419 bps | |
| Share Growth (YoY) | 1.63% | -1.93% | -1.66% | -4.84% | -6.11% | -4.35% | -2.74% | 4.11% | +894 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.86% | 2.69% | 6.37% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.21% | 2.11% | 2.28% | 2.86% | 1.13% | 0.88% | 1.42% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.20% | 14.26% | 13.57% | 13.98% | 13.83% | 13.79% | 13.88% | 13.85% | -14 bps | |
| Net Worth / Assets | 14.20% | 14.26% | 13.57% | 13.98% | 13.83% | 13.79% | 13.88% | 13.85% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.93% | 99.60% | 101.83% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |