Jefferson City, MO · Charter 64718
NCUA · 1 branch
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 | 0.39% | 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 | |