PackageTrendsPeer
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Ozark

Poplar Bluff, MO · Charter 7641

NCUA · 6 branches

Q2 2026

$142.5MAssets
$113.6MLoans
$124.8MShares
$16.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.72%, up 35 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 0.18% of loans (-13 bps YoY).
  • Capital: net worth / assets of 11.63%, up 65 bps from a year ago.
  • Funding: loans stand at 91.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.91%+43 bps YoY

Efficiency Ratio (YTD, annualized)

69.56%-332 bps YoY

Net Worth / Assets

11.63%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.36%1.29%1.52%1.72%+35 bps
Return on Equity12.43%13.60%11.52%13.64%14.76%+234 bps
Net Interest Margin4.48%4.67%4.72%4.68%4.91%+43 bps
Efficiency Ratio72.88%73.84%75.50%71.83%69.56%-332 bps
Growth
Asset Growth (YoY)9.77%25.25%24.73%24.57%19.51%+974 bps
Loan Growth (YoY)8.79%21.36%26.18%27.50%31.34%+2,255 bps
Share Growth (YoY)9.28%24.34%24.65%23.63%18.99%+971 bps
Asset Quality
Delinquent Loans / Loans0.31%0.17%0.23%0.20%0.18%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.98%10.02%11.18%11.11%11.63%+65 bps
Net Worth / Assets10.98%10.02%11.18%11.11%11.63%+65 bps
Liquidity & Funding
Loans / Shares82.48%85.80%89.06%88.06%91.04%+856 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps