Saint Charles, MO · Charter 67804
NCUA · 14 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.58% | 0.56% | 0.00% | 0.35% | 0 bps | |
| Return on Equity | 4.54% | 7.35% | 7.04% | -0.06% | 4.42% | -12 bps | |
| Net Interest Margin | 3.87% | 4.00% | 4.12% | 4.06% | 4.10% | +24 bps | |
| Efficiency Ratio | 85.18% | 80.38% | 81.17% | 90.61% | 85.38% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | -0.07% | 2.93% | 3.41% | 4.23% | +643 bps | |
| Loan Growth (YoY) | -1.51% | 1.81% | 4.36% | 6.01% | 5.53% | +704 bps | |
| Share Growth (YoY) | 3.38% | 5.44% | 5.85% | 4.20% | 3.99% | +60 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.67% | 0.80% | 0.66% | 0.59% | -15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.63% | 7.92% | 7.99% | 7.78% | 7.83% | +20 bps | |
| Net Worth / Assets | 7.63% | 7.92% | 7.99% | 7.78% | 7.83% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.11% | 82.24% | 83.77% | 81.08% | 80.28% | +117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |