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 | |