Jefferson City, MO · Charter 67739
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
35
Asset Quality
84
Profitability
59
Liquidity
93
Efficiency
97
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.
Jefferson City, MO · Charter 67739
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 | 0.97% | 1.02% | 1.29% | 1.33% | 1.35% | 1.19% | 1.40% | 1.37% | +3 bps | |
| Return on Equity | 8.56% | 8.82% | 11.37% | 11.65% | 11.68% | 10.31% | 12.47% | 12.08% | +43 bps | |
| Net Interest Margin | 1.91% | 1.95% | 2.19% | 2.21% | 2.21% | 2.08% | 2.27% | 2.23% | +2 bps | |
| Efficiency Ratio | 56.35% | 55.23% | 49.67% | 47.90% | 47.13% | 50.02% | 46.38% | 46.48% | -143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.30% | 4.77% | 7.00% | 9.34% | 9.99% | 11.72% | 12.78% | 12.98% | +364 bps | |
| Loan Growth (YoY) | 0.86% | 1.17% | 2.86% | 4.98% | 5.26% | 4.76% | 4.86% | 4.84% | -14 bps | |
| Share Growth (YoY) | 4.68% | 6.58% | 8.72% | 8.48% | 10.27% | 12.25% | 12.29% | 14.68% | +620 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.03% | 0.06% | 0.12% | 0.09% | 0.08% | 0.07% | 0.13% | +1 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.30% | 11.55% | 11.34% | 11.45% | 11.55% | 11.52% | 11.23% | 11.32% | -13 bps | |
| Net Worth / Assets | 11.30% | 11.55% | 11.34% | 11.45% | 11.55% | 11.52% | 11.23% | 11.32% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.62% | 76.67% | 72.59% | 73.66% | 73.14% | 71.56% | 67.79% | 67.34% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jefferson City, MO · Charter 67739 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.37%
Rank 307 of 1,683
Net Interest Margin
2.23%
Rank 1,644 of 1,683
Efficiency Ratio
46.48%
Rank 46 of 1,682
Equity / Assets
11.32%
Rank 1,099 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.35% | 0.74% | 1.18% | Beats 82% | 307 / 1,683 | ||
| Return on Equity | 12.08% | 2.67% | 5.89% | 8.74% | Beats 92% | 137 / 1,681 | ||
| Net Interest Margin | 2.23% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,644 / 1,683 | ||
| Efficiency Ratio | 46.48% | 68.91% | 78.20% | 86.93% | Beats 97% | 46 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 272 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.32% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,099 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.32% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,099 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.34% | 52.61% | 69.38% | 83.50% | 46th pctl | 910 / 1,683 | ||
| Loans / Assets | 58.39% | 44.71% | 59.18% | 70.72% | 48th pctl | 869 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||