Farmington, MO · Charter 67936
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
63
Profitability
36
Liquidity
38
Efficiency
16
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Farmington, MO · Charter 67936
NCUA · 2 branches
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 | -0.04% | 0.13% | -0.18% | 0.64% | 1.38% | 1.20% | 0.56% | 0.35% | -29 bps | |
| Return on Equity | -0.38% | 1.14% | -1.70% | 6.14% | 11.89% | 9.94% | 4.66% | 3.04% | -309 bps | |
| Net Interest Margin | 4.34% | 4.09% | 3.59% | 3.66% | 3.96% | 4.11% | 3.94% | 3.90% | +23 bps | |
| Efficiency Ratio | 94.18% | 92.60% | 99.67% | 83.62% | 74.31% | 76.21% | 93.78% | 91.23% | +761 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.94% | 2.97% | 4.73% | 9.91% | 9.57% | 2.18% | -1.81% | -1.45% | -1,136 bps | |
| Loan Growth (YoY) | 3.12% | 2.19% | -0.75% | -15.23% | -14.18% | -12.16% | -14.44% | -12.83% | +239 bps | |
| Share Growth (YoY) | -3.12% | 3.22% | 5.21% | 11.60% | 7.71% | 1.22% | -3.65% | -3.08% | -1,468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.07% | 0.09% | 0.08% | 0.11% | 0.46% | 0.17% | 0.45% | +36 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 | 11.43% | 11.09% | 10.45% | 10.47% | 11.62% | 12.05% | 12.01% | 11.61% | +114 bps | |
| Net Worth / Assets | 11.43% | 11.09% | 10.45% | 10.47% | 11.62% | 12.05% | 12.01% | 11.61% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.90% | 66.46% | 61.06% | 56.01% | 58.09% | 57.68% | 54.23% | 50.37% | -564 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Farmington, MO · Charter 67936 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.35%
Rank 1,262 of 1,683
Net Interest Margin
3.90%
Rank 764 of 1,683
Efficiency Ratio
91.10%
Rank 1,414 of 1,682
Equity / Assets
11.61%
Rank 1,062 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,262 / 1,683 | ||
| Return on Equity | 3.03% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,210 / 1,681 | ||
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 764 / 1,683 | ||
| Efficiency Ratio | 91.10% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,414 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.26% | 0.65% | 1.29% | Beats 63% | 625 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.61% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,062 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.61% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,062 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.37% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,316 / 1,683 | ||
| Loans / Assets | 44.91% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,259 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||