Hannibal, MO · Charter 64709
NCUA · 1 branch
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
54
Asset Quality
100
Profitability
38
Liquidity
0
Efficiency
10
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.
Hannibal, MO · Charter 64709
NCUA · 1 branch
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 | 0.53% | 0.59% | 0.65% | 0.09% | 0.23% | 0.54% | 0.32% | 0.25% | +17 bps | |
| Return on Equity | 4.24% | 4.45% | 5.00% | 0.67% | 1.79% | 4.03% | 2.38% | 1.91% | +123 bps | |
| Net Interest Margin | 4.46% | 4.67% | 4.60% | 4.51% | 4.48% | 4.55% | 4.38% | 4.38% | -13 bps | |
| Efficiency Ratio | 89.05% | 88.03% | 87.03% | 91.87% | 91.00% | 89.44% | 93.41% | 94.73% | +286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | -3.22% | -3.81% | -0.45% | 0.46% | 4.10% | 1.02% | 1.17% | +161 bps | |
| Loan Growth (YoY) | -4.74% | -8.81% | -0.15% | -1.53% | 4.70% | 8.40% | 3.47% | 2.00% | +354 bps | |
| Share Growth (YoY) | 3.33% | -4.39% | -5.14% | -0.92% | 0.24% | 4.06% | 1.01% | 0.65% | +157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.90% | 1.54% | 0.00% | 0.00% | 0.00% | -190 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 | 0.14% | 0.14% | 0.14% | 0.33% | 0.33% | 0.13% | 0.13% | 0.13% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.57% | 13.33% | 12.92% | 12.85% | 12.85% | 13.34% | 13.24% | 13.32% | +47 bps | |
| Net Worth / Assets | 12.57% | 13.33% | 12.92% | 12.85% | 12.85% | 13.34% | 13.24% | 13.32% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.40% | 95.39% | 94.44% | 94.63% | 96.51% | 99.37% | 96.74% | 95.90% | +127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hannibal, MO · Charter 64709 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.22%
Rank 1,369 of 1,683
Net Interest Margin
4.34%
Rank 407 of 1,683
Efficiency Ratio
95.35%
Rank 1,514 of 1,682
Equity / Assets
13.30%
Rank 768 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,369 / 1,683 | ||
| Return on Equity | 1.67% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,372 / 1,681 | ||
| Net Interest Margin | 4.34% | 3.31% | 3.82% | 4.32% | Beats 76% | 407 / 1,683 | ||
| Efficiency Ratio | 95.35% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,514 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.30% | 10.44% | 12.89% | 16.53% | Beats 54% | 768 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.30% | 10.44% | 12.89% | 16.53% | Beats 54% | 768 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.89% | 52.61% | 69.38% | 83.50% | 94th pctl | 98 / 1,683 | ||
| Loans / Assets | 83.03% | 44.71% | 59.18% | 70.72% | 95th pctl | 79 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||