Saint Louis, MO · Charter 64425
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 | 0.01% | 0.15% | 0.00% | 0.13% | 0.24% | 0.44% | 0.34% | 0.48% | +35 bps | |
| Return on Equity | 0.04% | 0.86% | 0.03% | 0.76% | 1.40% | 2.40% | 1.88% | 2.55% | +178 bps | |
| Net Interest Margin | 2.54% | 2.72% | 2.62% | 2.63% | 2.76% | 2.98% | 3.03% | 3.11% | +48 bps | |
| Efficiency Ratio | 87.02% | 85.66% | 81.69% | 86.87% | 85.15% | 81.66% | 86.37% | 82.22% | -465 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.36% | -5.25% | -3.57% | 0.81% | -1.70% | 0.00% | -3.72% | -6.19% | -700 bps | |
| Loan Growth (YoY) | 8.82% | 10.24% | 7.73% | 1.70% | 1.44% | 0.46% | -3.92% | -0.77% | -247 bps | |
| Share Growth (YoY) | -5.68% | -6.64% | -4.41% | 0.51% | -2.47% | -0.74% | -5.42% | -8.63% | -914 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 2.07% | 0.96% | 2.35% | 1.71% | 1.63% | 1.68% | 2.17% | -18 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 | 16.66% | 17.84% | 17.08% | 17.03% | 17.28% | 18.19% | 18.17% | 18.68% | +165 bps | |
| Net Worth / Assets | 16.66% | 17.84% | 17.08% | 17.03% | 17.28% | 18.19% | 18.17% | 18.68% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.45% | 50.04% | 47.52% | 45.86% | 48.31% | 50.65% | 48.27% | 49.81% | +395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |