Joplin, MO · Charter 64708
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.81% | 1.26% | 1.00% | 1.16% | 1.19% | 1.33% | 1.47% | +47 bps | |
| Return on Equity | 5.63% | 5.03% | 7.90% | 6.25% | 6.95% | 7.00% | 7.77% | 8.39% | +214 bps | |
| Net Interest Margin | 2.83% | 2.98% | 3.66% | 3.55% | 3.75% | 3.76% | 3.82% | 3.92% | +37 bps | |
| Efficiency Ratio | 61.51% | 65.57% | 60.49% | 66.61% | 63.55% | 64.19% | 65.33% | 63.63% | -298 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.07% | 21.29% | 21.29% | 23.00% | 0.20% | 2.18% | 0.53% | -0.87% | -2,387 bps | |
| Loan Growth (YoY) | 31.50% | 39.52% | 39.04% | 31.24% | 3.29% | -2.10% | -3.08% | -0.41% | -3,165 bps | |
| Share Growth (YoY) | 20.74% | 20.16% | 19.32% | 22.33% | -0.58% | 0.48% | -0.46% | -3.05% | -2,539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.00% | 1.11% | 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 | 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 | 15.76% | 16.08% | 15.99% | 15.93% | 16.73% | 16.92% | 17.09% | 17.47% | +154 bps | |
| Net Worth / Assets | 15.76% | 16.08% | 15.99% | 15.93% | 16.73% | 16.92% | 17.09% | 17.47% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.90% | 75.54% | 73.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |