Saint Joseph, MO · Charter 67801
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 | 1.26% | 1.37% | 1.06% | 1.07% | 0.87% | 0.80% | 0.73% | -0.05% | -112 bps | |
| Return on Equity | 10.47% | 10.82% | 8.08% | 7.83% | 6.29% | 5.67% | 5.26% | -0.37% | -820 bps | |
| Net Interest Margin | 4.17% | 4.36% | 4.54% | 4.58% | 4.56% | 4.58% | 4.10% | 4.14% | -44 bps | |
| Efficiency Ratio | 72.13% | 71.05% | 79.51% | 78.14% | 77.03% | 78.60% | 87.07% | 86.62% | +848 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.64% | 6.24% | 2.82% | -1.34% | -5.17% | -5.18% | -0.81% | 0.68% | +202 bps | |
| Loan Growth (YoY) | 16.39% | 2.84% | -3.06% | -11.92% | -11.72% | -5.07% | -6.45% | -4.51% | +742 bps | |
| Share Growth (YoY) | 6.11% | 5.34% | 1.11% | -2.81% | -7.06% | -7.02% | -1.36% | 0.22% | +302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.95% | 0.97% | 0.70% | 0.85% | 0.72% | 0.30% | 0.96% | +26 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 | 12.04% | 12.63% | 13.15% | 13.65% | 13.77% | 14.13% | 13.95% | 13.78% | +13 bps | |
| Net Worth / Assets | 12.04% | 12.63% | 13.15% | 13.65% | 13.77% | 14.13% | 13.95% | 13.78% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.93% | 36.85% | 35.99% | 35.56% | 36.02% | 37.63% | 34.13% | 33.88% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |