Independence, MO · Charter 68410
NCUA · 5 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 | 0.49% | 0.71% | 0.16% | 1.41% | 1.14% | 0.99% | 1.21% | 1.07% | -35 bps | |
| Return on Equity | 4.32% | 6.22% | 1.41% | 12.23% | 9.78% | 8.42% | 10.26% | 8.90% | -333 bps | |
| Net Interest Margin | 3.73% | 3.72% | 3.62% | 3.63% | 3.68% | 3.75% | 4.06% | 4.18% | +54 bps | |
| Efficiency Ratio | 79.10% | 76.71% | 84.03% | 68.14% | 70.56% | 70.81% | 73.45% | 72.64% | +450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | 1.30% | 1.24% | 3.01% | 7.12% | 5.03% | 3.13% | 2.07% | -94 bps | |
| Loan Growth (YoY) | 11.75% | 10.86% | 11.74% | 2.29% | -2.94% | 3.31% | 3.13% | 5.86% | +357 bps | |
| Share Growth (YoY) | 3.14% | 5.82% | 5.76% | 6.80% | 6.60% | 4.49% | 2.22% | 1.66% | -514 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.74% | 0.66% | 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 | 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 | 11.41% | 11.45% | 11.03% | 11.55% | 11.67% | 11.73% | 11.78% | 11.97% | +42 bps | |
| Net Worth / Assets | 11.41% | 11.45% | 11.03% | 11.55% | 11.67% | 11.73% | 11.78% | 11.97% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.13% | 85.13% | 81.65% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |