Park Hills, MO · Charter 67716
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 | -2.06% | -0.92% | -0.76% | 0.25% | 0.58% | +264 bps | |
| Return on Equity | -30.17% | -11.66% | -9.19% | 2.89% | 6.63% | +3,680 bps | |
| Net Interest Margin | 3.58% | 4.09% | 4.40% | 4.60% | 4.74% | +116 bps | |
| Efficiency Ratio | 112.28% | 105.02% | 104.99% | 93.88% | 90.93% | -2,135 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.71% | -8.37% | -11.67% | -19.58% | -14.18% | -1,588 bps | |
| Loan Growth (YoY) | -12.12% | -13.13% | -13.25% | -11.79% | -10.75% | +138 bps | |
| Share Growth (YoY) | 4.67% | -7.36% | -12.74% | -20.95% | -15.85% | -2,051 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 1.02% | 0.95% | 0.89% | 0.18% | -96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.11% | 1.05% | 1.13% | 1.05% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.84% | 7.89% | 8.31% | 8.67% | 8.68% | +185 bps | |
| Net Worth / Assets | 6.84% | 7.89% | 8.31% | 8.67% | 8.68% | +185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.36% | 57.05% | 58.85% | 59.76% | 58.71% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |