Emporia, KS · Charter 2227
NCUA · 2 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 | 0.40% | 0.28% | 0.62% | 0.93% | 1.04% | 0.96% | 1.03% | 1.31% | +38 bps | |
| Return on Equity | 4.07% | 2.83% | 6.35% | 8.97% | 9.83% | 9.08% | 9.75% | 12.18% | +321 bps | |
| Net Interest Margin | 2.09% | 2.05% | 2.39% | 2.65% | 2.77% | 2.80% | 2.99% | 3.07% | +42 bps | |
| Efficiency Ratio | 85.96% | 90.23% | 79.77% | 73.15% | 70.89% | 73.35% | 69.23% | 65.26% | -789 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 4.86% | 3.65% | 0.78% | 0.49% | 1.90% | 2.32% | 7.54% | +676 bps | |
| Loan Growth (YoY) | 2.12% | 5.42% | 5.79% | 6.52% | 9.05% | 6.56% | 6.09% | 3.60% | -293 bps | |
| Share Growth (YoY) | 6.31% | 4.95% | 3.57% | 0.22% | -0.34% | 1.03% | 1.40% | 7.13% | +690 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.77% | 0.21% | 0.95% | 0.78% | 0.47% | 0.22% | 0.49% | -45 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 | 9.89% | 9.82% | 9.80% | 10.34% | 10.59% | 10.58% | 10.61% | 10.74% | +40 bps | |
| Net Worth / Assets | 9.89% | 9.82% | 9.80% | 10.34% | 10.59% | 10.58% | 10.61% | 10.74% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.40% | 69.36% | 68.18% | 73.04% | 73.74% | 73.16% | 71.34% | 70.63% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |