PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Patriot

Saint Louis, MO · Charter 64856

NCUA · 1 branch

Q2 2026

$16.4MAssets
$12.7MLoans
$15.0MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, up 1 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.69% of loans (-152 bps YoY).
  • Capital: net worth / assets of 8.36%, up 60 bps from a year ago.
  • Funding: loans stand at 84.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+26 bps YoY

Efficiency Ratio (YTD, annualized)

72.07%-267 bps YoY

Net Worth / Assets

8.36%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.64%0.63%0.84%0.68%+1 bps
Return on Equity8.62%8.24%8.13%10.02%8.10%-51 bps
Net Interest Margin3.58%3.73%3.76%3.80%3.84%+26 bps
Efficiency Ratio74.74%76.40%76.31%72.14%72.07%-267 bps
Growth
Asset Growth (YoY)7.93%7.40%12.28%5.21%-1.34%-926 bps
Loan Growth (YoY)2.36%5.97%0.72%-2.42%-7.41%-977 bps
Share Growth (YoY)7.66%7.58%12.96%5.12%-1.89%-955 bps
Asset Quality
Delinquent Loans / Loans2.21%1.29%1.59%1.96%0.69%-152 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.76%7.79%7.73%8.35%8.36%+60 bps
Net Worth / Assets7.76%7.79%7.73%8.35%8.36%+60 bps
Liquidity & Funding
Loans / Shares89.56%95.74%90.28%90.75%84.52%-504 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps