Wellington, KS · Charter 12033
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
77
Profitability
13
Liquidity
75
Efficiency
6
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.
Wellington, KS · Charter 12033
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.09% | 0.03% | -0.23% | -0.18% | -31 bps | |
| Return on Equity | 0.73% | 0.55% | 0.18% | -1.39% | -1.11% | -185 bps | |
| Net Interest Margin | 3.16% | 3.17% | 3.35% | 3.15% | 3.19% | +4 bps | |
| Efficiency Ratio | 96.75% | 98.41% | 99.92% | 104.56% | 102.76% | +602 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.95% | -1.02% | -2.23% | 0.34% | 1.00% | +295 bps | |
| Loan Growth (YoY) | 7.94% | 9.14% | 4.86% | 1.49% | -1.70% | -964 bps | |
| Share Growth (YoY) | -2.85% | -0.68% | -2.21% | 1.04% | 2.16% | +501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.24% | 0.69% | 0.35% | 0.24% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.16% | 16.76% | 16.95% | 16.44% | 16.53% | -63 bps | |
| Net Worth / Assets | 17.16% | 16.76% | 16.95% | 16.44% | 16.53% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.07% | 63.50% | 64.00% | 61.84% | 61.65% | -242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wellington, KS · Charter 12033 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.19%
Rank 1,535 of 1,683
Net Interest Margin
3.20%
Rank 1,337 of 1,683
Efficiency Ratio
102.79%
Rank 1,580 of 1,682
Equity / Assets
16.53%
Rank 421 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,535 / 1,683 | |
| Return on Equity | -1.12% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,524 / 1,681 | |
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,337 / 1,683 | |
| Efficiency Ratio | 102.79% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,580 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 392 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.53% | 10.44% | 12.89% | 16.53% | Beats 75% | 421 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.53% | 10.44% | 12.89% | 16.53% | Beats 75% | 421 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.65% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,060 / 1,683 | |
| Loans / Assets | 52.39% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,043 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||