Joplin, MO · Charter 6853
NCUA · 12 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.66% | -2.13% | -0.84% | -1.06% | 0.13% | 0.09% | 0.21% | 0.11% | +117 bps | |
| Return on Equity | -11.96% | -16.45% | -7.04% | -9.16% | 1.08% | 0.70% | 1.63% | 0.85% | +1,001 bps | |
| Net Interest Margin | 2.04% | 2.02% | 1.79% | 1.86% | 2.02% | 2.24% | 2.76% | 2.84% | +98 bps | |
| Efficiency Ratio | 114.40% | 116.65% | 130.06% | 128.74% | 108.68% | 106.73% | 81.87% | 90.29% | -3,845 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.73% | -4.04% | 2.37% | 6.87% | 5.10% | 1.10% | -4.89% | -7.36% | -1,424 bps | |
| Loan Growth (YoY) | -3.76% | -6.24% | -7.91% | -9.41% | -12.40% | -13.81% | -12.62% | -3.90% | +551 bps | |
| Share Growth (YoY) | -1.03% | 2.59% | 5.53% | 8.33% | 5.45% | -0.92% | -7.13% | -9.87% | -1,821 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.48% | 0.93% | 0.79% | 0.81% | 0.79% | 0.51% | 0.53% | -26 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 | 13.86% | 12.97% | 12.00% | 11.53% | 12.32% | 12.79% | 12.86% | 13.04% | +151 bps | |
| Net Worth / Assets | 13.86% | 12.97% | 12.00% | 11.53% | 12.32% | 12.79% | 12.86% | 13.04% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.48% | 45.41% | 41.65% | 40.12% | 39.45% | 39.51% | 39.19% | 42.78% | +266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |