Hannibal, MO · Charter 64709
NCUA · 1 branch
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 | 0.09% | 0.23% | 0.54% | 0.32% | 0.25% | +17 bps | |
| Return on Equity | 0.67% | 1.79% | 4.03% | 2.38% | 1.91% | +123 bps | |
| Net Interest Margin | 4.51% | 4.48% | 4.55% | 4.38% | 4.38% | -13 bps | |
| Efficiency Ratio | 91.87% | 91.00% | 89.44% | 93.41% | 94.73% | +286 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.45% | 0.46% | 4.10% | 1.02% | 1.17% | +161 bps | |
| Loan Growth (YoY) | -1.53% | 4.70% | 8.40% | 3.47% | 2.00% | +354 bps | |
| Share Growth (YoY) | -0.92% | 0.24% | 4.06% | 1.01% | 0.65% | +157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.33% | 0.33% | 0.13% | 0.13% | 0.13% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.85% | 12.85% | 13.34% | 13.24% | 13.32% | +47 bps | |
| Net Worth / Assets | 12.85% | 12.85% | 13.34% | 13.24% | 13.32% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |