Wichita, KS · Charter 24914
NCUA · 15 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 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 $1B-$10B in assets (n=422). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
59
Profitability
25
Liquidity
79
Efficiency
23
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.
Wichita, KS · Charter 24914
NCUA · 15 branches
Q2 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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.56% | 0.81% | 0.35% | 0.41% | 0.38% | 0.17% | 0.38% | +2 bps | |
| Return on Equity | 7.34% | 5.95% | 8.84% | 3.81% | 4.45% | 4.36% | 1.96% | 4.43% | +63 bps | |
| Net Interest Margin | 2.96% | 2.93% | 2.84% | 2.95% | 2.92% | 2.79% | 2.61% | 2.64% | -30 bps | |
| Efficiency Ratio | 81.40% | 83.38% | 75.68% | 82.99% | 81.67% | 82.09% | 82.17% | 80.55% | -244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.15% | 3.19% | 6.14% | 4.54% | 6.02% | 10.15% | 10.61% | 12.70% | +816 bps | |
| Loan Growth (YoY) | -0.10% | 0.02% | 0.02% | 2.59% | 3.26% | 2.62% | 4.16% | 5.47% | +288 bps | |
| Share Growth (YoY) | 2.91% | 2.74% | 4.00% | 4.79% | 6.88% | 12.65% | 13.04% | 15.14% | +1,035 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.56% | 0.55% | 0.53% | 0.51% | 0.60% | 0.56% | 0.56% | +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 | 9.48% | 9.35% | 9.20% | 9.22% | 9.18% | 8.76% | 8.44% | 8.47% | -74 bps | |
| Net Worth / Assets | 9.48% | 9.35% | 9.20% | 9.22% | 9.18% | 8.76% | 8.44% | 8.47% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.18% | 101.58% | 97.95% | 100.27% | 97.76% | 92.54% | 90.26% | 91.84% | -843 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita, KS · Charter 24914 · Peer group: credit unions $1B-$10B in assets (n=422)
NCUA · 15 branches
Q2 2025
Return on Assets
0.38%
Rank 327 of 422
Net Interest Margin
2.64%
Rank 342 of 422
Efficiency Ratio
80.55%
Rank 327 of 422
Equity / Assets
8.47%
Rank 396 of 422
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | 0.39% | 0.66% | 0.99% | Beats 23% | 327 / 422 | ||
| Return on Equity | 4.43% | 3.75% | 6.19% | 8.88% | Beats 33% | 284 / 422 | ||
| Net Interest Margin | 2.64% | 2.80% | 3.18% | 3.56% | Beats 19% | 342 / 422 | ||
| Efficiency Ratio | 80.55% | 66.02% | 73.73% | 79.77% | Beats 23% | 327 / 422 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.41% | 0.65% | 0.96% | Beats 59% | 173 / 422 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.47% | 9.57% | 10.71% | 12.29% | Beats 6% | 396 / 422 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.47% | 9.57% | 10.71% | 12.29% | Beats 6% | 396 / 422 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.84% | 77.28% | 88.92% | 95.75% | 60th pctl | 167 / 422 | ||
| Loans / Assets | 75.64% | 67.37% | 74.65% | 80.53% | 54th pctl | 193 / 422 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||