PackageTrendsPeer
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Legacy

Joplin, MO · Charter 64708

NCUA · 2 branches

Q2 2026

$25.4MAssets
$15.0MLoans
$20.8MShares
$4.4MNet 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 1.47%, up 47 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.60% of loans (-21 bps YoY).
  • Capital: net worth / assets of 17.47%, up 154 bps from a year ago.
  • Funding: loans stand at 72.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+37 bps YoY

Efficiency Ratio (YTD, annualized)

63.63%-298 bps YoY

Net Worth / Assets

17.47%+154 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.16%1.19%1.33%1.47%+47 bps
Return on Equity6.25%6.95%7.00%7.77%8.39%+214 bps
Net Interest Margin3.55%3.75%3.76%3.82%3.92%+37 bps
Efficiency Ratio66.61%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 / Loans1.80%0.80%1.35%0.74%1.60%-21 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 Capital15.93%16.73%16.92%17.09%17.47%+154 bps
Net Worth / Assets15.93%16.73%16.92%17.09%17.47%+154 bps
Liquidity & Funding
Loans / Shares70.27%73.66%73.60%71.42%72.18%+192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps