Jefferson City, MO · Charter 64397
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |