Joplin, MO · Charter 64691
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 | 2.54% | 2.35% | 1.83% | 2.21% | 2.36% | 2.33% | 1.89% | 2.06% | -15 bps | |
| Return on Equity | 15.37% | 14.07% | 10.91% | 12.91% | 13.53% | 13.45% | 10.74% | 11.64% | -128 bps | |
| Net Interest Margin | 5.69% | 5.66% | 5.49% | 5.54% | 5.56% | 5.42% | 5.59% | 5.53% | -1 bps | |
| Efficiency Ratio | 62.60% | 63.51% | 69.73% | 66.03% | 64.15% | 63.50% | 65.36% | 65.60% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.31% | 3.44% | 4.87% | 8.30% | 8.07% | 10.93% | 9.31% | 10.54% | +224 bps | |
| Loan Growth (YoY) | 5.16% | 7.67% | 8.63% | 9.13% | 12.17% | 9.76% | 8.70% | 5.81% | -332 bps | |
| Share Growth (YoY) | -0.64% | 0.52% | 3.31% | 7.42% | 7.40% | 10.76% | 8.08% | 9.87% | +245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.57% | 0.55% | 0.47% | 0.30% | 0.48% | 0.46% | 0.78% | +31 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 | 16.50% | 16.68% | 16.73% | 17.12% | 17.43% | 17.33% | 17.63% | 17.73% | +60 bps | |
| Net Worth / Assets | 16.50% | 16.68% | 16.73% | 17.12% | 17.43% | 17.33% | 17.63% | 17.73% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.20% | 90.36% | 89.10% | 91.93% | 92.12% | 89.54% | 89.61% | 88.53% | -339 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |