Hannibal, MO · Charter 64746
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 | 0.01% | 0.51% | 1.07% | -1.39% | -0.14% | -15 bps | |
| Return on Equity | 0.10% | 4.88% | 9.66% | -12.12% | -1.20% | -130 bps | |
| Net Interest Margin | 4.37% | 4.56% | 4.65% | 5.55% | 5.37% | +100 bps | |
| Efficiency Ratio | 75.45% | 71.80% | 72.33% | 74.65% | 76.16% | +71 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.32% | 7.78% | 6.56% | -0.64% | -2.87% | -719 bps | |
| Loan Growth (YoY) | 0.49% | -1.41% | -0.75% | 4.54% | 6.48% | +599 bps | |
| Share Growth (YoY) | 4.68% | 7.54% | 4.61% | -1.53% | -5.44% | -1,011 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.72% | 0.68% | 0.07% | 0.15% | 0.26% | -146 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.43% | 0.83% | 1.65% | 0.95% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.17% | 10.46% | 11.08% | 11.50% | 11.52% | +135 bps | |
| Net Worth / Assets | 10.17% | 10.46% | 11.08% | 11.50% | 11.52% | +135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.35% | 77.49% | 77.24% | 85.75% | 89.35% | +1,000 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |