Henley, MO · Charter 67715
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
69
Asset Quality
100
Profitability
69
Liquidity
82
Efficiency
92
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.
Henley, MO · Charter 67715
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 | 1.85% | 1.70% | 1.00% | 0.82% | 1.55% | -31 bps | |
| Return on Equity | 12.05% | 10.79% | 6.51% | 5.29% | 10.12% | -193 bps | |
| Net Interest Margin | 3.97% | 3.92% | 3.35% | 3.47% | 3.59% | -38 bps | |
| Efficiency Ratio | 53.87% | 57.08% | 70.68% | 76.12% | 57.05% | +318 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.39% | 2.07% | 1.78% | 3.54% | 6.86% | +1,324 bps | |
| Loan Growth (YoY) | -8.79% | -5.74% | -1.34% | -12.43% | -4.71% | +408 bps | |
| Share Growth (YoY) | -8.52% | 1.18% | 0.90% | 3.27% | 6.96% | +1,547 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.02% | 0.02% | 0.02% | 0.03% | 0.03% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.38% | 15.76% | 15.29% | 15.47% | 15.27% | -11 bps | |
| Net Worth / Assets | 15.38% | 15.76% | 15.29% | 15.47% | 15.27% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.61% | 69.88% | 66.61% | 61.81% | 63.80% | -781 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Henley, MO · Charter 67715 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.54%
Rank 230 of 1,683
Net Interest Margin
3.60%
Rank 1,043 of 1,683
Efficiency Ratio
56.63%
Rank 138 of 1,682
Equity / Assets
15.26%
Rank 524 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 0.35% | 0.74% | 1.18% | Beats 86% | 230 / 1,683 | |
| Return on Equity | 10.06% | 2.67% | 5.89% | 8.74% | Beats 83% | 278 / 1,681 | |
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,043 / 1,683 | |
| Efficiency Ratio | 56.63% | 68.91% | 78.20% | 86.93% | Beats 92% | 138 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 524 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 524 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.80% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,002 / 1,683 | |
| Loans / Assets | 53.93% | 44.71% | 59.18% | 70.72% | 41st pctl | 1,000 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||