Legacy
Joplin, MO · Charter 64708 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$25.4MAssets
$15.0MLoans
$20.8MShares
$4.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets (rank 259 of 1682).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets (rank 1365 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |