Raytown, MO · Charter 67009
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 | 0.97% | 0.89% | 0.27% | 0.50% | 0.73% | 0.69% | 0.07% | 0.66% | +16 bps | |
| Return on Equity | 12.80% | 11.30% | 3.67% | 6.68% | 9.76% | 9.21% | 0.94% | 8.99% | +231 bps | |
| Net Interest Margin | 5.64% | 5.74% | 5.36% | 5.47% | 5.34% | 5.33% | 5.20% | 5.20% | -27 bps | |
| Efficiency Ratio | 82.26% | 81.60% | 79.60% | 76.94% | 76.81% | 78.53% | 75.26% | 74.14% | -280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | 0.10% | 6.71% | 9.16% | 11.61% | 14.91% | 13.05% | 13.48% | +431 bps | |
| Loan Growth (YoY) | 11.55% | -2.95% | -3.92% | -1.72% | -0.59% | 0.31% | 0.35% | -2.37% | -64 bps | |
| Share Growth (YoY) | 1.79% | -0.88% | 6.49% | 9.29% | 11.81% | 15.29% | 13.38% | 13.69% | +440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 1.20% | 1.77% | 1.28% | 0.79% | 0.69% | 1.26% | 1.13% | -15 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 | 7.58% | 7.83% | 7.40% | 7.49% | 7.47% | 7.51% | 7.16% | 7.35% | -14 bps | |
| Net Worth / Assets | 7.58% | 7.83% | 7.40% | 7.49% | 7.47% | 7.51% | 7.16% | 7.35% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.87% | 68.25% | 62.67% | 62.90% | 60.34% | 59.38% | 55.47% | 54.02% | -888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |