Columbia, MO · Charter 67695
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 | 1.53% | 1.48% | 1.39% | 1.03% | 1.35% | -18 bps | |
| Return on Equity | 21.47% | 20.02% | 18.27% | 14.69% | 18.06% | -341 bps | |
| Net Interest Margin | 4.60% | 4.62% | 4.63% | 4.67% | 4.80% | +20 bps | |
| Efficiency Ratio | 69.90% | 69.85% | 71.65% | 68.11% | 66.28% | -362 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.91% | 8.53% | 11.37% | 7.85% | 7.33% | +141 bps | |
| Loan Growth (YoY) | 4.37% | -2.03% | -2.69% | 6.43% | 1.01% | -336 bps | |
| Share Growth (YoY) | 5.32% | 7.81% | 10.75% | 6.92% | 6.56% | +124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.61% | 1.09% | 1.02% | 0.90% | +61 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.12% | 7.40% | 7.59% | 7.03% | 7.45% | +33 bps | |
| Net Worth / Assets | 7.12% | 7.40% | 7.59% | 7.03% | 7.45% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.21% | 54.82% | 54.93% | 56.35% | 54.22% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |