Topeka, KS · Charter 24945
NCUA · 10 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
72
Profitability
64
Liquidity
5
Efficiency
52
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.
Topeka, KS · Charter 24945
NCUA · 10 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 | 0.84% | 0.75% | 0.59% | 0.72% | 0.79% | 0.82% | 0.65% | 1.06% | +34 bps | |
| Return on Equity | 7.58% | 7.01% | 5.74% | 6.78% | 7.38% | 7.53% | 6.18% | 9.82% | +304 bps | |
| Net Interest Margin | 3.46% | 3.38% | 3.43% | 3.57% | 3.63% | 3.70% | 3.63% | 3.68% | +11 bps | |
| Efficiency Ratio | 78.83% | 79.45% | 82.45% | 80.12% | 78.66% | 77.36% | 83.02% | 77.61% | -251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.16% | 12.79% | 13.08% | 8.67% | 8.34% | 6.11% | 5.82% | 7.16% | -151 bps | |
| Loan Growth (YoY) | 10.17% | 9.31% | 5.39% | 5.56% | 6.80% | 8.44% | 8.46% | 7.36% | +180 bps | |
| Share Growth (YoY) | 7.71% | 11.27% | 11.67% | 9.86% | 9.69% | 6.89% | 6.77% | 8.32% | -154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.71% | 0.70% | 0.41% | 0.39% | 0.37% | 0.30% | 0.31% | -10 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 | 11.02% | 10.73% | 10.36% | 10.59% | 10.68% | 10.85% | 10.51% | 10.77% | +18 bps | |
| Net Worth / Assets | 11.02% | 10.73% | 10.36% | 10.59% | 10.68% | 10.85% | 10.51% | 10.77% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.61% | 93.20% | 88.33% | 91.73% | 93.09% | 94.56% | 89.73% | 90.92% | -81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Topeka, KS · Charter 24945 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
1.06%
Rank 538 of 1,683
Net Interest Margin
3.68%
Rank 967 of 1,683
Efficiency Ratio
77.61%
Rank 810 of 1,682
Equity / Assets
10.77%
Rank 1,201 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 68% | 538 / 1,683 | ||
| Return on Equity | 9.82% | 2.67% | 5.89% | 8.74% | Beats 82% | 302 / 1,681 | ||
| Net Interest Margin | 3.68% | 3.31% | 3.82% | 4.32% | Beats 43% | 967 / 1,683 | ||
| Efficiency Ratio | 77.61% | 68.91% | 78.20% | 86.93% | Beats 52% | 810 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 479 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,201 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,201 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.92% | 52.61% | 69.38% | 83.50% | 88th pctl | 207 / 1,683 | ||
| Loans / Assets | 77.55% | 44.71% | 59.18% | 70.72% | 88th pctl | 205 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||