PackageTrendsPeer
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Highway Alliance

Jefferson city, MO · Charter 67700

NCUA · 1 branch

Q2 2026

$29.5MAssets
$16.4MLoans
$26.1MShares
$3.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.96%, up 16 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.80% of loans (+60 bps YoY).
  • Capital: net worth / assets of 11.47%, up 17 bps from a year ago.
  • Funding: loans stand at 62.78% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+37 bps YoY

Efficiency Ratio (YTD, annualized)

67.74%-763 bps YoY

Net Worth / Assets

11.47%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.86%0.81%0.80%0.96%+16 bps
Return on Equity7.06%7.45%6.99%6.91%8.33%+127 bps
Net Interest Margin2.76%2.92%2.90%3.24%3.13%+37 bps
Efficiency Ratio75.36%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 / Loans0.20%0.33%0.25%0.30%0.80%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.30%11.48%11.58%11.54%11.47%+17 bps
Net Worth / Assets11.30%11.48%11.58%11.54%11.47%+17 bps
Liquidity & Funding
Loans / Shares59.35%60.24%62.70%62.14%62.78%+343 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps