Kelso, MO · Charter 67750
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 | 0.91% | 0.95% | 0.92% | 0.86% | 0.93% | 0.93% | 0.65% | 0.63% | -24 bps | |
| Return on Equity | 7.45% | 7.80% | 6.76% | 6.19% | 6.44% | 6.43% | 4.54% | 4.35% | -184 bps | |
| Net Interest Margin | 2.45% | 2.36% | 2.48% | 2.52% | 2.62% | 2.57% | 2.65% | 2.62% | +10 bps | |
| Efficiency Ratio | 63.33% | 60.55% | 63.31% | 65.93% | 64.91% | 64.34% | 76.22% | 76.71% | +1,078 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | 0.47% | -7.63% | -8.31% | -9.39% | -9.79% | 1.12% | 2.58% | +1,089 bps | |
| Loan Growth (YoY) | 11.73% | -11.45% | -13.92% | -8.37% | -13.32% | 4.13% | -0.80% | -10.10% | -173 bps | |
| Share Growth (YoY) | -2.42% | -0.46% | -9.61% | -10.42% | -11.70% | -12.17% | 0.33% | 2.07% | +1,249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.10% | 0.12% | 0.12% | 0.11% | 0.12% | 0.11% | 0.20% | 0.21% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.21% | 12.15% | 13.53% | 13.97% | 14.42% | 14.40% | 14.22% | 14.42% | +45 bps | |
| Net Worth / Assets | 12.21% | 12.15% | 13.53% | 13.97% | 14.42% | 14.40% | 14.22% | 14.42% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.08% | 85.04% | 94.07% | 100.28% | 99.23% | 100.82% | 93.01% | 88.33% | -1,195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |