Valley Center, KS · Charter 3868
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 (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
52
Asset Quality
1
Profitability
35
Liquidity
0
Efficiency
3
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.
Valley Center, KS · Charter 3868
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.46% | -1.04% | -0.26% | -2.48% | -1.80% | -34 bps | |
| Return on Equity | -11.30% | -8.66% | -1.93% | -19.76% | -13.60% | -230 bps | |
| Net Interest Margin | 7.77% | 7.37% | 7.91% | 6.66% | 7.39% | -39 bps | |
| Efficiency Ratio | 117.00% | 112.64% | 112.05% | 132.94% | 121.48% | +448 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.48% | -0.21% | -6.96% | 1.46% | -5.11% | +337 bps | |
| Loan Growth (YoY) | -15.49% | -9.73% | -14.91% | -8.84% | -13.80% | +170 bps | |
| Share Growth (YoY) | -9.03% | 0.44% | -8.00% | 1.34% | -5.79% | +324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.62% | 12.47% | 9.28% | 11.20% | 11.13% | +151 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.96% | 4.28% | 4.23% | 4.72% | 5.40% | +144 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.91% | 11.96% | 13.48% | 12.55% | 13.21% | +29 bps | |
| Net Worth / Assets | 12.91% | 11.96% | 13.48% | 12.55% | 13.21% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.34% | 98.95% | 97.13% | 93.92% | 93.64% | -870 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Valley Center, KS · Charter 3868 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.86%
Rank 1,644 of 1,683
Net Interest Margin
7.45%
Rank 8 of 1,683
Efficiency Ratio
114.29%
Rank 1,627 of 1,682
Equity / Assets
13.04%
Rank 814 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.86% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,644 / 1,683 | |
| Return on Equity | -14.29% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,639 / 1,681 | |
| Net Interest Margin | 7.45% | 3.31% | 3.82% | 4.32% | Beats 100% | 8 / 1,683 | |
| Efficiency Ratio | 114.29% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,627 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 11.11% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,674 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.04% | 10.44% | 12.89% | 16.53% | Beats 52% | 814 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.04% | 10.44% | 12.89% | 16.53% | Beats 52% | 814 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.55% | 52.61% | 69.38% | 83.50% | 91st pctl | 148 / 1,683 | |
| Loans / Assets | 81.06% | 44.71% | 59.18% | 70.72% | 93rd pctl | 116 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||