Henley, MO · Charter 67715
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 | 1.59% | 0.96% | 1.79% | 1.85% | 1.70% | 1.00% | 0.82% | 1.55% | -31 bps | |
| Return on Equity | 10.57% | 6.57% | 11.70% | 12.05% | 10.79% | 6.51% | 5.29% | 10.12% | -193 bps | |
| Net Interest Margin | 3.77% | 3.29% | 3.79% | 3.97% | 3.92% | 3.35% | 3.47% | 3.59% | -38 bps | |
| Efficiency Ratio | 59.44% | 72.43% | 52.51% | 53.87% | 57.08% | 70.68% | 76.12% | 57.05% | +318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.81% | -8.60% | -12.23% | -6.39% | 2.07% | 1.78% | 3.54% | 6.86% | +1,324 bps | |
| Loan Growth (YoY) | -30.56% | -29.96% | -18.55% | -8.79% | -5.74% | -1.34% | -12.43% | -4.71% | +408 bps | |
| Share Growth (YoY) | -13.44% | -10.81% | -15.04% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.03% | 0.03% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.05% | 14.58% | 15.26% | 15.38% | 15.76% | 15.29% | 15.47% | 15.27% | -11 bps | |
| Net Worth / Assets | 15.05% | 14.58% | 15.26% | 15.38% | 15.76% | 15.29% | 15.47% | 15.27% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.01% | 68.12% | 72.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |