Jefferson City, MO · Charter 67691
NCUA · 1 branch
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 | 0.67% | 0.51% | 0.01% | 0.27% | 0.52% | 0.05% | 0.08% | 0.01% | -25 bps | |
| Return on Equity | 3.01% | 2.36% | 0.04% | 1.20% | 1.99% | 0.20% | 0.32% | 0.06% | -115 bps | |
| Net Interest Margin | 5.13% | 5.03% | 5.06% | 5.36% | 6.43% | 5.78% | 5.53% | 5.51% | +14 bps | |
| Efficiency Ratio | 79.19% | 81.77% | 89.88% | 86.87% | 83.57% | 84.69% | 97.32% | 99.10% | +1,223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.70% | 0.97% | 1.86% | 1.59% | -13.32% | -7.70% | -11.67% | -10.51% | -1,210 bps | |
| Loan Growth (YoY) | -5.02% | -3.58% | -5.55% | 3.63% | -6.14% | -13.82% | -18.66% | -14.99% | -1,862 bps | |
| Share Growth (YoY) | -9.48% | 0.66% | 1.98% | 1.74% | -17.65% | -9.91% | -15.03% | -13.41% | -1,515 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 2.98% | 2.82% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.67% | 0.91% | 1.03% | 1.36% | 2.30% | 2.44% | 2.28% | +124 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.11% | 21.57% | 21.77% | 22.26% | 25.93% | 23.42% | 24.72% | 24.79% | +252 bps | |
| Net Worth / Assets | 22.11% | 21.57% | 21.77% | 22.26% | 25.93% | 23.42% | 24.72% | 24.79% | +252 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.99% | 86.32% | 86.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |