Jefferson city, MO · Charter 67700
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
36
Asset Quality
43
Profitability
51
Liquidity
79
Efficiency
77
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 67700
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 | 0.80% | 0.86% | 0.81% | 0.80% | 0.96% | +16 bps | |
| Return on Equity | 7.06% | 7.45% | 6.99% | 6.91% | 8.33% | +127 bps | |
| Net Interest Margin | 2.76% | 2.92% | 2.90% | 3.24% | 3.13% | +37 bps | |
| Efficiency Ratio | 75.36% | 73.13% | 74.14% | 69.69% | 67.74% | -763 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.84% | 5.04% | 3.17% | 2.57% | 6.55% | +72 bps | |
| Loan Growth (YoY) | -3.84% | -2.29% | 5.62% | 9.22% | 12.48% | +1,632 bps | |
| Share Growth (YoY) | 6.03% | 4.91% | 2.60% | 1.94% | 6.33% | +29 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.33% | 0.25% | 0.30% | 0.80% | +60 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 | 11.30% | 11.48% | 11.58% | 11.54% | 11.47% | +17 bps | |
| Net Worth / Assets | 11.30% | 11.48% | 11.58% | 11.54% | 11.47% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.35% | 60.24% | 62.70% | 62.14% | 62.78% | +343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jefferson city, MO · Charter 67700 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 631 of 1,683
Net Interest Margin
3.12%
Rank 1,375 of 1,683
Efficiency Ratio
67.83%
Rank 389 of 1,682
Equity / Assets
11.47%
Rank 1,083 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 631 / 1,683 | |
| Return on Equity | 8.34% | 2.67% | 5.89% | 8.74% | Beats 72% | 468 / 1,681 | |
| Net Interest Margin | 3.12% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,375 / 1,683 | |
| Efficiency Ratio | 67.83% | 68.91% | 78.20% | 86.93% | Beats 77% | 389 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 43% | 956 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.47% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,083 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.47% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,083 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.78% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,024 / 1,683 | |
| Loans / Assets | 55.45% | 44.71% | 59.18% | 70.72% | 42nd pctl | 968 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||