Poplar Bluff, MO · Charter 7641
NCUA · 6 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 | 1.63% | 1.39% | 1.22% | 1.36% | 1.36% | 1.29% | 1.52% | 1.72% | +35 bps | |
| Return on Equity | 15.00% | 12.57% | 11.04% | 12.43% | 13.60% | 11.52% | 13.64% | 14.76% | +234 bps | |
| Net Interest Margin | 4.74% | 4.82% | 4.57% | 4.48% | 4.67% | 4.72% | 4.68% | 4.91% | +43 bps | |
| Efficiency Ratio | 70.83% | 71.20% | 74.61% | 72.88% | 73.84% | 75.50% | 71.83% | 69.56% | -332 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.59% | 9.94% | 7.17% | 9.77% | 25.25% | 24.73% | 24.57% | 19.51% | +974 bps | |
| Loan Growth (YoY) | 23.10% | 18.74% | 14.04% | 8.79% | 21.36% | 26.18% | 27.50% | 31.34% | +2,255 bps | |
| Share Growth (YoY) | 9.74% | 9.09% | 6.79% | 9.28% | 24.34% | 24.65% | 23.63% | 18.99% | +971 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.56% | 0.56% | 0.31% | 0.17% | 0.23% | 0.20% | 0.18% | -13 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 | 10.85% | 11.09% | 11.01% | 10.98% | 10.02% | 11.18% | 11.11% | 11.63% | +65 bps | |
| Net Worth / Assets | 10.85% | 11.09% | 11.01% | 10.98% | 10.02% | 11.18% | 11.11% | 11.63% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.91% | 87.97% | 85.39% | 82.48% | 85.80% | 89.06% | 88.06% | 91.04% | +856 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |