Chesterfield, MO · Charter 67619
NCUA · 42 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.62% | 0.57% | 0.67% | 0.74% | 0.77% | 0.84% | 0.95% | +27 bps | |
| Return on Equity | 7.47% | 7.57% | 7.22% | 8.43% | 8.90% | 9.10% | 9.93% | 10.98% | +255 bps | |
| Net Interest Margin | 2.27% | 2.31% | 2.42% | 2.48% | 2.58% | 2.59% | 2.63% | 2.69% | +21 bps | |
| Efficiency Ratio | 71.02% | 71.04% | 71.94% | 69.76% | 68.59% | 68.27% | 67.46% | 65.88% | -388 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.40% | 8.52% | 8.85% | 10.75% | 6.91% | 7.06% | 5.42% | 4.24% | -650 bps | |
| Loan Growth (YoY) | 9.03% | 6.14% | 7.14% | 6.13% | 5.41% | 5.06% | 2.80% | 2.40% | -373 bps | |
| Share Growth (YoY) | 7.77% | 10.63% | 11.75% | 12.64% | 10.90% | 10.03% | 8.49% | 7.01% | -563 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.47% | 0.39% | 0.47% | 0.45% | 0.52% | 0.46% | 0.54% | +7 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 | 8.11% | 8.19% | 7.96% | 8.00% | 8.36% | 8.48% | 8.43% | 8.62% | +62 bps | |
| Net Worth / Assets | 8.11% | 8.19% | 7.96% | 8.00% | 8.36% | 8.48% | 8.43% | 8.62% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.52% | 80.02% | 77.85% | 77.52% | 77.48% | 76.40% | 73.77% | 74.18% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |