Jefferson City, MO · Charter 64718
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
1
Asset Quality
10
Profitability
29
Liquidity
77
Efficiency
26
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.
Jefferson City, MO · Charter 64718
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 | 0.39% | 0.42% | 1.11% | 0.53% | 0.79% | 0.71% | 0.32% | 0.38% | -15 bps | |
| Return on Equity | 5.68% | 5.92% | 15.49% | 7.80% | 10.79% | 9.79% | 4.68% | 5.44% | -236 bps | |
| Net Interest Margin | 2.71% | 2.85% | 2.85% | 2.48% | 3.10% | 3.04% | 2.88% | 2.95% | +48 bps | |
| Efficiency Ratio | 79.92% | 80.58% | 85.95% | 89.34% | 83.87% | 83.00% | 88.06% | 86.77% | -257 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.66% | 0.85% | 3.86% | 6.93% | 4.09% | 8.19% | 12.89% | 7.06% | +13 bps | |
| Loan Growth (YoY) | 7.49% | 8.08% | 8.29% | 7.98% | 8.08% | 4.87% | 3.27% | -1.44% | -942 bps | |
| Share Growth (YoY) | 9.07% | -1.72% | 3.72% | 6.89% | 6.62% | 10.62% | 13.73% | 6.85% | -4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.86% | 0.80% | 0.53% | 0.48% | 0.30% | 0.62% | 0.56% | 2.54% | +206 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 | 0.77% | 0.82% | 0.47% | 0.54% | 0.44% | 0.50% | 0.31% | 0.34% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.87% | 7.04% | 7.14% | 6.80% | 7.31% | 7.21% | 6.82% | 6.96% | +16 bps | |
| Net Worth / Assets | 6.87% | 7.04% | 7.14% | 6.80% | 7.31% | 7.21% | 6.82% | 6.96% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.56% | 86.74% | 82.42% | 80.85% | 86.72% | 82.23% | 74.84% | 74.58% | -627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jefferson City, MO · Charter 64718 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.38%
Rank 1,237 of 1,683
Net Interest Margin
2.95%
Rank 1,478 of 1,683
Efficiency Ratio
86.47%
Rank 1,244 of 1,682
Equity / Assets
6.96%
Rank 1,666 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,237 / 1,683 | ||
| Return on Equity | 5.50% | 2.67% | 5.89% | 8.74% | Beats 47% | 896 / 1,681 | ||
| Net Interest Margin | 2.95% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,478 / 1,683 | ||
| Efficiency Ratio | 86.47% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,244 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.54% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,512 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.96% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,666 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.96% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,666 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.59% | 52.61% | 69.38% | 83.50% | 60th pctl | 680 / 1,683 | ||
| Loans / Assets | 69.27% | 44.71% | 59.18% | 70.72% | 72nd pctl | 470 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||