Independence, MO · Charter 68410
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.14% | 0.99% | 1.21% | 1.07% | -35 bps | |
| Return on Equity | 12.23% | 9.78% | 8.42% | 10.26% | 8.90% | -333 bps | |
| Net Interest Margin | 3.63% | 3.68% | 3.75% | 4.06% | 4.18% | +54 bps | |
| Efficiency Ratio | 68.14% | 70.56% | 70.81% | 73.45% | 72.64% | +450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.01% | 7.12% | 5.03% | 3.13% | 2.07% | -94 bps | |
| Loan Growth (YoY) | 2.29% | -2.94% | 3.31% | 3.13% | 5.86% | +357 bps | |
| Share Growth (YoY) | 6.80% | 6.60% | 4.49% | 2.22% | 1.66% | -514 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.73% | 0.85% | 0.73% | 1.17% | +18 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 | 11.55% | 11.67% | 11.73% | 11.78% | 11.97% | +42 bps | |
| Net Worth / Assets | 11.55% | 11.67% | 11.73% | 11.78% | 11.97% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.84% | 78.42% | 84.17% | 82.37% | 83.14% | +330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |