Saint Louis, MO · Charter 64856
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 | 1.13% | 0.91% | 0.67% | 0.67% | 0.64% | 0.63% | 0.84% | 0.68% | +1 bps | |
| Return on Equity | 14.15% | 10.98% | 8.05% | 8.62% | 8.24% | 8.13% | 10.02% | 8.10% | -51 bps | |
| Net Interest Margin | 3.79% | 3.91% | 3.73% | 3.58% | 3.73% | 3.76% | 3.80% | 3.84% | +26 bps | |
| Efficiency Ratio | 67.58% | 72.51% | 74.94% | 74.74% | 76.40% | 76.31% | 72.14% | 72.07% | -267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.62% | -4.64% | -2.16% | 7.93% | 7.40% | 12.28% | 5.21% | -1.34% | -926 bps | |
| Loan Growth (YoY) | 2.25% | 1.24% | 5.35% | 2.36% | 5.97% | 0.72% | -2.42% | -7.41% | -977 bps | |
| Share Growth (YoY) | -3.13% | -5.92% | -3.10% | 7.66% | 7.58% | 12.96% | 5.12% | -1.89% | -955 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.49% | 0.72% | 2.21% | 1.29% | 1.59% | 1.96% | 0.69% | -152 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 | 8.00% | 8.31% | 8.30% | 7.76% | 7.79% | 7.73% | 8.35% | 8.36% | +60 bps | |
| Net Worth / Assets | 8.00% | 8.31% | 8.30% | 7.76% | 7.79% | 7.73% | 8.35% | 8.36% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.20% | 101.24% | 97.76% | 89.56% | 95.74% | 90.28% | 90.75% | 84.52% | -504 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |