Jefferson City, MO · Charter 64397
NCUA · 2 branches
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
30
Asset Quality
100
Profitability
10
Liquidity
0
Efficiency
83
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.
Jefferson City, MO · Charter 64397
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 | 0.93% | 0.78% | 0.07% | 0.54% | 0.80% | 0.66% | 0.06% | 0.12% | -42 bps | |
| Return on Equity | 8.17% | 6.71% | 0.62% | 4.86% | 6.90% | 5.68% | 0.52% | 1.15% | -372 bps | |
| Net Interest Margin | 1.26% | 1.09% | 0.39% | 0.81% | 1.05% | 0.93% | 0.47% | 0.49% | -31 bps | |
| Efficiency Ratio | 26.40% | 28.30% | 78.29% | 33.01% | 23.95% | 29.44% | 66.95% | 65.01% | +3,200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.24% | 1.18% | 3.09% | 5.80% | 4.42% | 6.26% | 5.98% | 6.69% | +89 bps | |
| Loan Growth (YoY) | 18.17% | 15.31% | 4.71% | 1.15% | 1.54% | 8.99% | 9.78% | 10.75% | +960 bps | |
| Share Growth (YoY) | -6.61% | 0.44% | 2.68% | 5.84% | 4.21% | 6.30% | 6.14% | 7.03% | +119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | 0.00% | 0 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 | 0.05% | 0.05% | 0.06% | 0.06% | 0.06% | 0.06% | 0.05% | 0.05% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.39% | 11.63% | 11.00% | 11.13% | 11.57% | 11.60% | 11.00% | 10.86% | -28 bps | |
| Net Worth / Assets | 11.39% | 11.63% | 11.00% | 11.13% | 11.57% | 11.60% | 11.00% | 10.86% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.14% | 32.47% | 30.67% | 31.01% | 31.32% | 33.29% | 31.73% | 32.09% | +108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jefferson City, MO · Charter 64397 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.11%
Rank 1,438 of 1,683
Net Interest Margin
0.48%
Rank 1,683 of 1,683
Efficiency Ratio
64.71%
Rank 287 of 1,682
Equity / Assets
10.86%
Rank 1,183 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.11% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,438 / 1,683 | ||
| Return on Equity | 1.03% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,425 / 1,681 | ||
| Net Interest Margin | 0.48% | 3.31% | 3.82% | 4.32% | Beats 0% | 1,683 / 1,683 | ||
| Efficiency Ratio | 64.71% | 68.91% | 78.20% | 86.93% | Beats 83% | 287 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.86% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,183 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.86% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,183 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.09% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,583 / 1,683 | ||
| Loans / Assets | 28.60% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,567 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||