PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dexter Public Schools

Dexter, MO · Charter 67703

NCUA · 1 branch

Q2 2026

$5.9MAssets
$4.7MLoans
$5.1MShares
$691KNet 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 0.65%, up 18 bps year over year; NIM at 1.50%.
  • Asset quality: problem loans at 0.24% of loans (+24 bps YoY).
  • Capital: net worth / assets of 11.66%, down 39 bps from a year ago.
  • Funding: loans stand at 90.66% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.65%+18 bps YoY

Net Interest Margin (quarter, annualized)

1.50%-10 bps YoY

Efficiency Ratio (quarter, annualized)

73.66%+493 bps YoY

Net Worth / Assets

11.66%-39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.57%0.64%0.11%0.65%+18 bps
Return on Equity3.87%4.61%5.12%0.96%5.55%+167 bps
Net Interest Margin1.60%1.64%1.69%1.54%1.50%-10 bps
Efficiency Ratio68.74%63.43%61.97%69.41%73.66%+493 bps
Growth
Asset Growth (YoY)6.15%6.82%5.68%10.72%9.89%+374 bps
Loan Growth (YoY)2.38%9.00%8.56%5.03%8.82%+644 bps
Share Growth (YoY)6.63%7.13%5.73%11.59%8.65%+202 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.24%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.12%0.11%0.13%0.31%0.10%-1 bps
Capital
Risk-Based Capital12.05%12.26%12.47%11.93%11.66%-39 bps
Net Worth / Assets12.05%12.26%12.47%11.93%11.66%-39 bps
Liquidity & Funding
Loans / Shares90.52%95.42%94.08%88.71%90.66%+14 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps