Arnold, MO · Charter 67195
NCUA · 4 branches
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 | -1.60% | -1.15% | 0.18% | 0.28% | 0.24% | 0.28% | 0.45% | 0.51% | +23 bps | |
| Return on Equity | -20.97% | -14.88% | 2.36% | 3.68% | 3.04% | 3.47% | 5.24% | 5.76% | +208 bps | |
| Net Interest Margin | 3.63% | 3.63% | 3.66% | 3.83% | 4.06% | 4.34% | 4.75% | 4.86% | +103 bps | |
| Efficiency Ratio | 104.68% | 97.57% | 87.60% | 79.53% | 79.31% | 76.55% | 76.83% | 75.39% | -414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.45% | 5.77% | 7.22% | 4.26% | 1.21% | -2.57% | -6.94% | -10.23% | -1,448 bps | |
| Loan Growth (YoY) | 3.83% | 5.12% | 4.40% | 0.49% | -0.86% | 0.42% | -0.83% | -3.48% | -397 bps | |
| Share Growth (YoY) | 6.37% | 4.94% | 7.86% | 7.45% | 3.56% | -1.49% | -8.51% | -11.63% | -1,908 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 1.60% | 1.89% | 2.05% | 2.20% | 2.33% | 1.65% | 1.10% | -94 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 | 7.63% | 7.73% | 7.65% | 7.62% | 7.73% | 8.18% | 8.53% | 8.84% | +122 bps | |
| Net Worth / Assets | 7.63% | 7.73% | 7.65% | 7.62% | 7.73% | 8.18% | 8.53% | 8.84% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.59% | 76.56% | 74.03% | 72.62% | 75.24% | 78.05% | 80.25% | 79.32% | +670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |