Independence, MO · Charter 67924
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 | 1.37% | 1.23% | 1.96% | 1.36% | 1.22% | 1.18% | 0.67% | 0.62% | -74 bps | |
| Return on Equity | 11.40% | 10.07% | 16.26% | 11.39% | 10.08% | 9.66% | 5.62% | 5.20% | -619 bps | |
| Net Interest Margin | 4.87% | 4.95% | 4.80% | 4.72% | 4.74% | 4.66% | 4.37% | 4.28% | -44 bps | |
| Efficiency Ratio | 62.93% | 63.00% | 66.16% | 65.19% | 65.75% | 67.29% | 69.80% | 75.98% | +1,079 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.71% | 2.29% | 4.82% | 11.31% | 8.70% | 10.44% | 8.23% | 6.82% | -448 bps | |
| Loan Growth (YoY) | 4.13% | 3.23% | -0.13% | -1.55% | -1.28% | 3.03% | 2.81% | 4.36% | +592 bps | |
| Share Growth (YoY) | -2.58% | 1.49% | 3.70% | 9.59% | 8.13% | 9.84% | 7.29% | 7.64% | -195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.35% | 1.28% | 1.17% | 1.69% | 1.86% | 1.31% | 1.90% | +73 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 | 11.99% | 12.21% | 12.05% | 11.90% | 12.12% | 12.23% | 11.99% | 11.93% | +3 bps | |
| Net Worth / Assets | 11.99% | 12.21% | 12.05% | 11.90% | 12.12% | 12.23% | 11.99% | 11.93% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.65% | 76.95% | 71.70% | 69.53% | 69.98% | 72.18% | 68.70% | 67.42% | -212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |