Saint Joseph, MO · Charter 67708
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.89% | 1.10% | 1.21% | 1.15% | 0.97% | 1.16% | 1.11% | -10 bps | |
| Return on Equity | 7.52% | 9.06% | 11.35% | 12.10% | 11.06% | 9.23% | 10.82% | 10.14% | -196 bps | |
| Net Interest Margin | 4.20% | 4.39% | 4.64% | 4.69% | 4.80% | 4.78% | 5.17% | 4.92% | +23 bps | |
| Efficiency Ratio | 78.68% | 76.50% | 74.00% | 73.58% | 74.78% | 78.86% | 75.14% | 78.48% | +491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.08% | -3.66% | 1.33% | 2.00% | 2.63% | 3.04% | -1.14% | -1.64% | -364 bps | |
| Loan Growth (YoY) | -0.95% | -6.51% | -6.05% | -9.37% | -10.13% | -11.23% | -11.53% | -12.77% | -340 bps | |
| Share Growth (YoY) | -6.27% | -5.09% | 0.15% | 0.63% | 1.19% | 2.07% | 1.14% | 0.80% | +17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.13% | 0.27% | 0.07% | 0.26% | 1.41% | 0.19% | 0.29% | +22 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 | 0.20% | 0.24% | 0.38% | 0.29% | 0.29% | 0.29% | 0.44% | 0.46% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.39% | 9.78% | 9.73% | 10.00% | 10.39% | 10.49% | 10.69% | 10.90% | +90 bps | |
| Net Worth / Assets | 9.39% | 9.78% | 9.73% | 10.00% | 10.39% | 10.49% | 10.69% | 10.90% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.82% | 43.56% | 40.60% | 39.87% | 39.80% | 37.89% | 35.52% | 34.50% | -537 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |