Chesterfield, MO · Charter 64755
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 | 0.67% | 0.68% | 0.98% | 0.95% | 1.03% | 1.08% | 1.19% | 0.92% | -3 bps | |
| Return on Equity | 4.19% | 4.20% | 6.11% | 5.79% | 6.03% | 6.25% | 6.86% | 5.13% | -66 bps | |
| Net Interest Margin | 2.87% | 2.96% | 3.16% | 3.28% | 3.42% | 3.43% | 3.60% | 3.59% | +31 bps | |
| Efficiency Ratio | 79.13% | 79.30% | 71.28% | 73.36% | 70.51% | 70.55% | 66.14% | 73.40% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | -1.28% | 2.11% | 2.13% | -0.90% | 0.91% | -1.68% | -2.49% | -462 bps | |
| Loan Growth (YoY) | -5.66% | -9.10% | -6.70% | -1.88% | -1.47% | 0.87% | -1.79% | -2.37% | -48 bps | |
| Share Growth (YoY) | -1.30% | -2.23% | 1.59% | 1.52% | -2.16% | -0.19% | -5.11% | -5.94% | -745 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.01% | 0.01% | 0.07% | 0.04% | 0.04% | 0.04% | 0.24% | +18 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.04% | 16.28% | 15.96% | 16.43% | 17.13% | 17.20% | 17.31% | 17.88% | +145 bps | |
| Net Worth / Assets | 16.04% | 16.28% | 15.96% | 16.43% | 17.13% | 17.20% | 17.31% | 17.88% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.92% | 65.69% | 64.29% | 66.57% | 68.40% | 66.39% | 66.54% | 69.10% | +253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |