PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Leadco Community

Farmington, MO · Charter 67936

NCUA · 2 branches

Q2 2026

$23.8MAssets
$10.7MLoans
$21.3MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, down 29 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.45% of loans (+36 bps YoY).
  • Capital: net worth / assets of 11.61%, up 114 bps from a year ago.
  • Funding: loans stand at 50.37% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.35%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+23 bps YoY

Efficiency Ratio (YTD, annualized)

91.23%+761 bps YoY

Net Worth / Assets

11.61%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin4.34%4.09%3.59%3.66%3.96%4.11%3.94%3.90%+23 bps
Efficiency Ratio94.18%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 / Loans0.10%0.07%0.09%0.08%0.11%0.46%0.17%0.45%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.43%11.09%10.45%10.47%11.62%12.05%12.01%11.61%+114 bps
Net Worth / Assets11.43%11.09%10.45%10.47%11.62%12.05%12.01%11.61%+114 bps
Liquidity & Funding
Loans / Shares72.90%66.46%61.06%56.01%58.09%57.68%54.23%50.37%-564 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps