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 | |