McConnell AFB, KS · Charter 11643
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
41
Profitability
72
Liquidity
0
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
McConnell AFB, KS · Charter 11643
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.67% | 1.75% | 1.84% | 0.27% | 1.92% | 2.00% | 2.04% | +20 bps | |
| Return on Equity | 9.66% | 9.94% | 9.95% | 10.02% | 1.60% | 11.52% | 10.86% | 10.86% | +84 bps | |
| Net Interest Margin | 2.97% | 3.30% | 3.35% | 3.43% | 3.36% | 3.22% | 3.56% | 3.58% | +15 bps | |
| Efficiency Ratio | 55.83% | 51.85% | 52.10% | 50.16% | 90.76% | 46.37% | 46.64% | 46.86% | -330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.25% | -6.51% | -7.63% | -9.83% | -5.02% | 2.80% | -2.60% | 0.01% | +984 bps | |
| Loan Growth (YoY) | -11.62% | -14.05% | -11.20% | -16.36% | -20.27% | -24.29% | -29.71% | -28.18% | -1,182 bps | |
| Share Growth (YoY) | -4.41% | -9.43% | -11.11% | -13.20% | -7.56% | 1.08% | -4.95% | -1.81% | +1,139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.30% | 0.49% | 0.23% | 0.08% | 1.05% | 0.07% | 0.85% | +62 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 | 15.72% | 16.83% | 17.54% | 18.36% | 16.82% | 16.70% | 18.38% | 18.78% | +42 bps | |
| Net Worth / Assets | 15.72% | 16.83% | 17.54% | 18.36% | 16.82% | 16.70% | 18.38% | 18.78% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.23% | 19.78% | 20.26% | 19.15% | 16.59% | 14.82% | 14.98% | 14.01% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
McConnell AFB, KS · Charter 11643 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
Return on Assets
2.04%
Rank 96 of 1,639
Net Interest Margin
3.58%
Rank 1,002 of 1,638
Efficiency Ratio
46.88%
Rank 50 of 1,637
Equity / Assets
18.78%
Rank 276 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.04% | 0.40% | 0.81% | 1.29% | Beats 94% | 96 / 1,639 | ||
| Return on Equity | 10.87% | 3.02% | 6.34% | 9.49% | Beats 84% | 261 / 1,638 | ||
| Net Interest Margin | 3.58% | 3.27% | 3.83% | 4.38% | Beats 39% | 1,002 / 1,638 | ||
| Efficiency Ratio | 46.88% | 67.38% | 76.32% | 84.73% | Beats 97% | 50 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.27% | 0.68% | 1.33% | Beats 41% | 969 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.78% | 10.38% | 12.80% | 16.53% | Beats 83% | 276 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.78% | 10.39% | 12.80% | 16.53% | Beats 83% | 276 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 14.01% | 55.01% | 72.16% | 85.44% | 0th pctl | 1,630 / 1,638 | ||
| Loans / Assets | 11.16% | 46.69% | 60.81% | 72.42% | 1st pctl | 1,629 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||