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 | |