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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |