Park Hills, MO · Charter 67716
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 | -1.17% | -1.68% | -2.39% | -2.06% | -0.92% | -0.76% | 0.25% | 0.58% | +264 bps | |
| Return on Equity | -13.03% | -20.16% | -32.86% | -30.17% | -11.66% | -9.19% | 2.89% | 6.63% | +3,680 bps | |
| Net Interest Margin | 4.27% | 4.17% | 3.05% | 3.58% | 4.09% | 4.40% | 4.60% | 4.74% | +116 bps | |
| Efficiency Ratio | 117.68% | 121.00% | 132.81% | 112.28% | 105.02% | 104.99% | 93.88% | 90.93% | -2,135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.01% | 1.01% | 5.78% | 1.71% | -8.37% | -11.67% | -19.58% | -14.18% | -1,588 bps | |
| Loan Growth (YoY) | -8.65% | -9.48% | -12.46% | -12.12% | -13.13% | -13.25% | -11.79% | -10.75% | +138 bps | |
| Share Growth (YoY) | 2.10% | 4.27% | 8.89% | 4.67% | -7.36% | -12.74% | -20.95% | -15.85% | -2,051 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.19% | 1.61% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.96% | 1.54% | 1.54% | 1.11% | 1.05% | 1.13% | 1.05% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.94% | 8.33% | 7.26% | 6.84% | 7.89% | 8.31% | 8.67% | 8.68% | +185 bps | |
| Net Worth / Assets | 8.94% | 8.33% | 7.26% | 6.84% | 7.89% | 8.31% | 8.67% | 8.68% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.84% | 59.19% | 53.55% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |