Jefferson city, MO · Charter 67700
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.42% | 0.88% | 0.80% | 0.86% | 0.81% | 0.80% | 0.96% | +16 bps | |
| Return on Equity | 4.61% | 3.74% | 7.95% | 7.06% | 7.45% | 6.99% | 6.91% | 8.33% | +127 bps | |
| Net Interest Margin | 2.75% | 2.70% | 2.62% | 2.76% | 2.92% | 2.90% | 3.24% | 3.13% | +37 bps | |
| Efficiency Ratio | 73.72% | 75.22% | 78.61% | 75.36% | 73.13% | 74.14% | 69.69% | 67.74% | -763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.79% | 2.34% | 5.23% | 5.84% | 5.04% | 3.17% | 2.57% | 6.55% | +72 bps | |
| Loan Growth (YoY) | -1.86% | -5.45% | -6.39% | -3.84% | -2.29% | 5.62% | 9.22% | 12.48% | +1,632 bps | |
| Share Growth (YoY) | -3.65% | 3.38% | 5.30% | 6.03% | 4.91% | 2.60% | 1.94% | 6.33% | +29 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.04% | 0.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.36% | 11.12% | 11.05% | 11.30% | 11.48% | 11.58% | 11.54% | 11.47% | +17 bps | |
| Net Worth / Assets | 11.36% | 11.12% | 11.05% | 11.30% | 11.48% | 11.58% | 11.54% | 11.47% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.68% | 60.91% | 58.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |