PackageTrendsPeer
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Joplin Metro

Joplin, MO · Charter 64691

NCUA · 2 branches

Q2 2026

$57.8MAssets
$41.9MLoans
$47.3MShares
$10.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.06%, down 15 bps year over year; NIM at 5.53%.
  • Asset quality: problem loans at 0.78% of loans (+31 bps YoY).
  • Capital: net worth / assets of 17.73%, up 60 bps from a year ago.
  • Funding: loans stand at 88.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.06%-15 bps YoY

Net Interest Margin (YTD, annualized)

5.53%-1 bps YoY

Efficiency Ratio (YTD, annualized)

65.60%-43 bps YoY

Net Worth / Assets

17.73%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.21%2.36%2.33%1.89%2.06%-15 bps
Return on Equity12.91%13.53%13.45%10.74%11.64%-128 bps
Net Interest Margin5.54%5.56%5.42%5.59%5.53%-1 bps
Efficiency Ratio66.03%64.15%63.50%65.36%65.60%-43 bps
Growth
Asset Growth (YoY)8.30%8.07%10.93%9.31%10.54%+224 bps
Loan Growth (YoY)9.13%12.17%9.76%8.70%5.81%-332 bps
Share Growth (YoY)7.42%7.40%10.76%8.08%9.87%+245 bps
Asset Quality
Delinquent Loans / Loans0.47%0.30%0.48%0.46%0.78%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.12%17.43%17.33%17.63%17.73%+60 bps
Net Worth / Assets17.12%17.43%17.33%17.63%17.73%+60 bps
Liquidity & Funding
Loans / Shares91.93%92.12%89.54%89.61%88.53%-339 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps