Joplin, MO · Charter 64708
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
78
Asset Quality
19
Profitability
71
Liquidity
88
Efficiency
85
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.
Joplin, MO · Charter 64708
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.16% | 1.19% | 1.33% | 1.47% | +47 bps | |
| Return on Equity | 6.25% | 6.95% | 7.00% | 7.77% | 8.39% | +214 bps | |
| Net Interest Margin | 3.55% | 3.75% | 3.76% | 3.82% | 3.92% | +37 bps | |
| Efficiency Ratio | 66.61% | 63.55% | 64.19% | 65.33% | 63.63% | -298 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.00% | 0.20% | 2.18% | 0.53% | -0.87% | -2,387 bps | |
| Loan Growth (YoY) | 31.24% | 3.29% | -2.10% | -3.08% | -0.41% | -3,165 bps | |
| Share Growth (YoY) | 22.33% | -0.58% | 0.48% | -0.46% | -3.05% | -2,539 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.80% | 0.80% | 1.35% | 0.74% | 1.60% | -21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.93% | 16.73% | 16.92% | 17.09% | 17.47% | +154 bps | |
| Net Worth / Assets | 15.93% | 16.73% | 16.92% | 17.09% | 17.47% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.27% | 73.66% | 73.60% | 71.42% | 72.18% | +192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Joplin, MO · Charter 64708 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.46%
Rank 261 of 1,683
Net Interest Margin
3.92%
Rank 740 of 1,683
Efficiency Ratio
63.64%
Rank 259 of 1,682
Equity / Assets
17.47%
Rank 363 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 0.35% | 0.74% | 1.18% | Beats 84% | 261 / 1,683 | |
| Return on Equity | 8.38% | 2.67% | 5.89% | 8.74% | Beats 72% | 463 / 1,681 | |
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 740 / 1,683 | |
| Efficiency Ratio | 63.64% | 68.91% | 78.20% | 86.93% | Beats 85% | 259 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.59% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,365 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.47% | 10.44% | 12.89% | 16.53% | Beats 78% | 363 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.47% | 10.44% | 12.89% | 16.53% | Beats 78% | 363 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.19% | 52.61% | 69.38% | 83.50% | 55th pctl | 755 / 1,683 | |
| Loans / Assets | 59.01% | 44.71% | 59.18% | 70.72% | 50th pctl | 847 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||