Lees Summit, MO · Charter 64394
NCUA · 2 branches
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 | -0.55% | -0.41% | 0.26% | 0.17% | 0.12% | 0.04% | 0.20% | -0.22% | -40 bps | |
| Return on Equity | -7.22% | -5.37% | 3.18% | 2.08% | 1.36% | 0.48% | 2.42% | -2.69% | -477 bps | |
| Net Interest Margin | 3.21% | 3.33% | 3.74% | 3.88% | 4.13% | 4.24% | 3.87% | 3.98% | +11 bps | |
| Efficiency Ratio | 95.64% | 93.14% | 85.22% | 83.48% | 83.57% | 84.26% | 86.79% | 89.58% | +610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | -1.47% | -5.24% | -6.91% | -10.34% | -10.47% | -3.84% | -3.48% | +344 bps | |
| Loan Growth (YoY) | -12.11% | -16.70% | -17.94% | -19.62% | -21.59% | -21.14% | -23.19% | -18.97% | +66 bps | |
| Share Growth (YoY) | 0.23% | -1.34% | -5.85% | -6.59% | -9.41% | -10.77% | -3.41% | -3.38% | +321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 1.93% | 2.25% | 2.55% | 2.01% | 2.23% | 2.90% | 2.13% | -42 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.57% | 7.68% | 8.05% | 8.22% | 8.53% | 8.62% | 8.39% | 8.36% | +14 bps | |
| Net Worth / Assets | 7.57% | 7.68% | 8.05% | 8.22% | 8.53% | 8.62% | 8.39% | 8.36% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.72% | 61.61% | 61.43% | 58.43% | 56.88% | 54.45% | 48.85% | 49.00% | -943 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |