Willow Springs, MO · Charter 64222
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
18
Profitability
15
Liquidity
0
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Willow Springs, MO · Charter 64222
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.24% | 0.30% | 0.03% | 0.01% | 0.16% | 0.02% | 0.16% | +13 bps | |
| Return on Equity | 1.89% | 1.57% | 2.00% | 0.21% | 0.08% | 1.05% | 0.16% | 1.04% | +83 bps | |
| Net Interest Margin | 2.55% | 2.48% | 2.28% | 2.15% | 2.09% | 2.32% | 2.98% | 2.98% | +83 bps | |
| Efficiency Ratio | 78.52% | 80.44% | 87.49% | 95.53% | 98.53% | 92.58% | 82.66% | 76.58% | -1,895 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.69% | -3.56% | -0.87% | 1.80% | 2.77% | -1.49% | -2.61% | -3.73% | -553 bps | |
| Loan Growth (YoY) | -8.33% | -12.45% | -18.40% | -23.99% | -22.58% | -23.44% | -21.14% | -19.05% | +493 bps | |
| Share Growth (YoY) | -8.27% | -4.52% | -1.58% | 1.83% | 3.21% | -1.88% | -3.13% | -4.65% | -648 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.43% | 1.38% | 1.81% | 2.33% | 2.57% | 2.05% | 1.66% | -15 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 | 0.23% | 0.38% | 0.40% | 0.45% | 0.44% | 0.49% | 0.83% | 1.05% | +60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.16% | 15.09% | 15.17% | 14.99% | 14.78% | 15.48% | 15.67% | 15.81% | +81 bps | |
| Net Worth / Assets | 15.16% | 15.09% | 15.17% | 14.99% | 14.78% | 15.48% | 15.67% | 15.81% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.31% | 54.09% | 50.06% | 44.36% | 42.99% | 42.20% | 40.76% | 37.65% | -670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Willow Springs, MO · Charter 64222 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.17%
Rank 1,403 of 1,683
Net Interest Margin
2.98%
Rank 1,464 of 1,683
Efficiency Ratio
76.81%
Rank 764 of 1,682
Equity / Assets
15.81%
Rank 469 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,403 / 1,683 | ||
| Return on Equity | 1.10% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,417 / 1,681 | ||
| Net Interest Margin | 2.98% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,464 / 1,683 | ||
| Efficiency Ratio | 76.81% | 68.91% | 78.20% | 86.93% | Beats 55% | 764 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.65% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,381 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.81% | 10.44% | 12.89% | 16.53% | Beats 72% | 469 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.81% | 10.44% | 12.89% | 16.53% | Beats 72% | 469 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.66% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,525 / 1,683 | ||
| Loans / Assets | 31.55% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,531 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||