South Central Missouri
Willow Springs, MO · Charter 64222 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$9.2MAssets
$2.9MLoans
$7.7MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 72% of credit unions under $1B in assets (rank 469 of 1683).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1464 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |