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 | |