Kansas City, MO · Charter 24937
NCUA · 1 branch
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 in the Kansas City, MO-KS area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
4
Profitability
16
Liquidity
64
Efficiency
4
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.
Kansas City, MO · Charter 24937
NCUA · 1 branch
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 | -24.21% | -10.47% | -21.66% | -22.40% | -15.41% | -10.46% | -38.82% | -28.28% | -588 bps | |
| Return on Equity | -271% | -69.40% | -239% | -508% | -440% | -280% | n/a | n/a | n/a | |
| Net Interest Margin | 3.35% | 3.39% | 4.37% | 4.66% | 4.37% | 3.98% | 3.90% | 4.06% | -60 bps | |
| Efficiency Ratio | 380% | 109.46% | 414% | 403% | 268% | 186.46% | 225% | 272% | -13,047 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.71% | 2.38% | -0.68% | 1.96% | -5.80% | -7.73% | -11.51% | -12.66% | -1,462 bps | |
| Loan Growth (YoY) | 114.41% | 105.94% | 97.75% | 100.63% | 33.43% | 23.25% | 2.88% | -7.57% | -10,820 bps | |
| Share Growth (YoY) | 20.64% | 12.13% | 10.31% | 9.36% | -0.03% | 4.41% | 4.64% | 2.32% | -703 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.45% | 12.79% | 17.83% | 19.36% | 20.94% | 25.02% | 15.24% | 12.47% | -689 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 | 7.00% | 11.89% | 12.75% | 12.28% | 11.24% | 9.87% | 17.45% | 15.51% | +323 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.93% | 15.09% | 9.07% | 4.41% | 3.50% | 3.73% | -7.29% | -11.66% | -1,607 bps | |
| Net Worth / Assets | 8.93% | 15.09% | 9.07% | 4.41% | 3.50% | 3.73% | -7.29% | -11.66% | -1,607 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.01% | 47.35% | 48.42% | 61.87% | 58.74% | 55.89% | 47.61% | 55.89% | -598 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 24937 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=28)
NCUA · 1 branch
Q2 2026
Return on Assets
-28.29%
Rank 28 of 28
Net Interest Margin
3.99%
Rank 19 of 28
Efficiency Ratio
274%
Rank 28 of 28
Equity / Assets
-11.65%
Rank 28 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -28.29% | 0.31% | 0.62% | 1.15% | Beats 0% | 28 / 28 | ||
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | 3.99% | 3.95% | 4.17% | 4.96% | Beats 32% | 19 / 28 | ||
| Efficiency Ratio | 274% | 71.31% | 75.97% | 85.82% | Beats 4% | 28 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 12.47% | 0.40% | 0.84% | 1.90% | Beats 4% | 28 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | -11.65% | 9.27% | 11.97% | 17.47% | Beats 0% | 28 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | -11.65% | 9.27% | 11.97% | 17.47% | Beats 0% | 28 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.89% | 47.88% | 66.90% | 83.14% | 39th pctl | 17 / 28 | ||
| Loans / Assets | 62.40% | 42.23% | 58.20% | 69.16% | 61st pctl | 11 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||