PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Academic Employees

Columbia, MO · Charter 67695

NCUA · 1 branch

Q2 2026

$17.2MAssets
$8.6MLoans
$15.8MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.35%, down 18 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.90% of loans (+61 bps YoY).
  • Capital: net worth / assets of 7.45%, up 33 bps from a year ago.
  • Funding: loans stand at 54.22% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.35%-18 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+20 bps YoY

Efficiency Ratio (YTD, annualized)

66.28%-362 bps YoY

Net Worth / Assets

7.45%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.52%1.53%1.53%1.48%1.39%1.03%1.35%-18 bps
Return on Equity24.75%21.94%22.61%21.47%20.02%18.27%14.69%18.06%-341 bps
Net Interest Margin4.10%4.30%4.43%4.60%4.62%4.63%4.67%4.80%+20 bps
Efficiency Ratio70.58%72.19%69.39%69.90%69.85%71.65%68.11%66.28%-362 bps
Growth
Asset Growth (YoY)2.70%2.72%8.26%5.91%8.53%11.37%7.85%7.33%+141 bps
Loan Growth (YoY)9.87%13.04%11.23%4.37%-2.03%-2.69%6.43%1.01%-336 bps
Share Growth (YoY)1.38%1.31%6.98%5.32%7.81%10.75%6.92%6.56%+124 bps
Asset Quality
Delinquent Loans / Loans0.03%0.29%0.14%0.29%0.61%1.09%1.02%0.90%+61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital6.54%6.91%6.77%7.12%7.40%7.59%7.03%7.45%+33 bps
Net Worth / Assets6.54%6.91%6.77%7.12%7.40%7.59%7.03%7.45%+33 bps
Liquidity & Funding
Loans / Shares60.32%62.51%56.61%57.21%54.82%54.93%56.35%54.22%-298 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps