Saint Louis, MO · Charter 64723
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 | 2.16% | 1.59% | 2.08% | 2.01% | 1.27% | 0.91% | 4.70% | 4.01% | +200 bps | |
| Return on Equity | 15.21% | 11.28% | 14.78% | 13.12% | 8.63% | 6.28% | 31.41% | 25.95% | +1,283 bps | |
| Net Interest Margin | 2.74% | 2.26% | 3.49% | 3.12% | 2.83% | 2.24% | 3.38% | 2.81% | -31 bps | |
| Efficiency Ratio | 41.61% | 48.02% | 41.48% | 39.67% | 40.97% | 48.18% | 45.59% | 44.89% | +522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 6.36% | 8.65% | -0.17% | 2.76% | 3.27% | 5.11% | 13.56% | +1,373 bps | |
| Loan Growth (YoY) | -4.40% | -8.91% | -9.98% | 0.58% | 20.51% | 19.99% | 26.14% | 3.41% | +283 bps | |
| Share Growth (YoY) | 2.11% | 4.85% | 9.18% | -1.62% | 2.22% | 2.79% | 4.15% | 13.47% | +1,509 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 4.36% | 1.25% | 1.02% | 0.84% | 0.84% | 0.83% | 0.82% | -20 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 | 0.71% | 0.94% | 0.91% | 0.92% | 1.35% | 1.35% | 0.32% | -0.52% | -144 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.19% | 14.10% | 14.10% | 15.32% | 14.74% | 14.57% | 14.96% | 15.46% | +14 bps | |
| Net Worth / Assets | 14.19% | 14.10% | 14.10% | 15.32% | 14.74% | 14.57% | 14.96% | 15.46% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.62% | 69.34% | 61.35% | 76.87% | 84.43% | 80.94% | 74.31% | 70.05% | -681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |