Wellington, KS · Charter 12033
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.51% | 0.08% | 0.13% | 0.09% | 0.03% | -0.23% | -0.18% | -31 bps | |
| Return on Equity | 2.94% | 3.00% | 0.45% | 0.73% | 0.55% | 0.18% | -1.39% | -1.11% | -185 bps | |
| Net Interest Margin | 3.11% | 3.13% | 3.13% | 3.16% | 3.17% | 3.35% | 3.15% | 3.19% | +4 bps | |
| Efficiency Ratio | 86.43% | 86.44% | 97.15% | 96.75% | 98.41% | 99.92% | 104.56% | 102.76% | +602 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 5.30% | -3.06% | -1.95% | -1.02% | -2.23% | 0.34% | 1.00% | +295 bps | |
| Loan Growth (YoY) | 2.31% | 1.13% | 5.36% | 7.94% | 9.14% | 4.86% | 1.49% | -1.70% | -964 bps | |
| Share Growth (YoY) | 5.40% | 7.98% | -2.61% | -2.85% | -0.68% | -2.21% | 1.04% | 2.16% | +501 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.25% | 0.51% | 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 | 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 | 16.72% | 16.87% | 16.87% | 17.16% | 16.76% | 16.95% | 16.44% | 16.53% | -63 bps | |
| Net Worth / Assets | 16.72% | 16.87% | 16.87% | 17.16% | 16.76% | 16.95% | 16.44% | 16.53% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.79% | 59.69% | 61.56% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |