PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Augustine

Kelso, MO · Charter 67750

NCUA · 1 branch

Q2 2026

$1.5MAssets
$1.2MLoans
$1.3MShares
$221KNet 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 0.63%, down 24 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.42%, up 45 bps from a year ago.
  • Funding: loans stand at 88.33% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.63%-24 bps YoY

Net Interest Margin (quarter, annualized)

2.62%+10 bps YoY

Efficiency Ratio (quarter, annualized)

76.71%+1,078 bps YoY

Net Worth / Assets

14.42%+45 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.93%0.93%0.65%0.63%-24 bps
Return on Equity6.19%6.44%6.43%4.54%4.35%-184 bps
Net Interest Margin2.52%2.62%2.57%2.65%2.62%+10 bps
Efficiency Ratio65.93%64.91%64.34%76.22%76.71%+1,078 bps
Growth
Asset Growth (YoY)-8.31%-9.39%-9.79%1.12%2.58%+1,089 bps
Loan Growth (YoY)-8.37%-13.32%4.13%-0.80%-10.10%-173 bps
Share Growth (YoY)-10.42%-11.70%-12.17%0.33%2.07%+1,249 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.11%0.12%0.11%0.20%0.21%+10 bps
Capital
Risk-Based Capital13.97%14.42%14.40%14.22%14.42%+45 bps
Net Worth / Assets13.97%14.42%14.40%14.22%14.42%+45 bps
Liquidity & Funding
Loans / Shares100.28%99.23%100.82%93.01%88.33%-1,195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps