Jefferson City, MO · Charter 67691
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
5
Profitability
40
Liquidity
7
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jefferson City, MO · Charter 67691
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.52% | 0.05% | 0.08% | 0.01% | -25 bps | |
| Return on Equity | 1.20% | 1.99% | 0.20% | 0.32% | 0.06% | -115 bps | |
| Net Interest Margin | 5.36% | 6.43% | 5.78% | 5.53% | 5.51% | +14 bps | |
| Efficiency Ratio | 86.87% | 83.57% | 84.69% | 97.32% | 99.10% | +1,223 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.59% | -13.32% | -7.70% | -11.67% | -10.51% | -1,210 bps | |
| Loan Growth (YoY) | 3.63% | -6.14% | -13.82% | -18.66% | -14.99% | -1,862 bps | |
| Share Growth (YoY) | 1.74% | -17.65% | -9.91% | -15.03% | -13.41% | -1,515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.36% | 3.91% | 2.56% | 3.68% | 3.89% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.36% | 2.30% | 2.44% | 2.28% | +124 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.26% | 25.93% | 23.42% | 24.72% | 24.79% | +252 bps | |
| Net Worth / Assets | 22.26% | 25.93% | 23.42% | 24.72% | 24.79% | +252 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.30% | 103.71% | 82.57% | 82.47% | 90.62% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jefferson City, MO · Charter 67691 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.00%
Rank 1,478 of 1,683
Net Interest Margin
5.49%
Rank 71 of 1,683
Efficiency Ratio
100.00%
Rank 1,562 of 1,682
Equity / Assets
24.79%
Rank 106 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,478 / 1,683 | |
| Return on Equity | 0.00% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,478 / 1,681 | |
| Net Interest Margin | 5.49% | 3.31% | 3.82% | 4.32% | Beats 96% | 71 / 1,683 | |
| Efficiency Ratio | 100.00% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,562 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.88% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,596 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.79% | 10.44% | 12.89% | 16.53% | Beats 94% | 106 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.79% | 10.44% | 12.89% | 16.53% | Beats 94% | 106 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.62% | 52.61% | 69.38% | 83.50% | 87th pctl | 220 / 1,683 | |
| Loans / Assets | 67.89% | 44.71% | 59.18% | 70.72% | 69th pctl | 524 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||