PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Missouri Electric Cooperatives Empl

Jefferson City, MO · Charter 67739

NCUA · 1 branch

Q2 2026

$396.8MAssets
$231.7MLoans
$344.0MShares
$44.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.37%, up 3 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.13% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.32%, down 13 bps from a year ago.
  • Funding: loans stand at 67.34% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.37%+3 bps YoY

Net Interest Margin (quarter, annualized)

2.23%+2 bps YoY

Efficiency Ratio (quarter, annualized)

46.48%-143 bps YoY

Net Worth / Assets

11.32%-13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.35%1.19%1.40%1.37%+3 bps
Return on Equity11.65%11.68%10.31%12.47%12.08%+43 bps
Net Interest Margin2.21%2.21%2.08%2.27%2.23%+2 bps
Efficiency Ratio47.90%47.13%50.02%46.38%46.48%-143 bps
Growth
Asset Growth (YoY)9.34%9.99%11.72%12.78%12.98%+364 bps
Loan Growth (YoY)4.98%5.26%4.76%4.86%4.84%-14 bps
Share Growth (YoY)8.48%10.27%12.25%12.29%14.68%+620 bps
Asset Quality
Delinquent Loans / Loans0.12%0.09%0.08%0.07%0.13%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.45%11.55%11.52%11.23%11.32%-13 bps
Net Worth / Assets11.45%11.55%11.52%11.23%11.32%-13 bps
Liquidity & Funding
Loans / Shares73.66%73.14%71.56%67.79%67.34%-632 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps