Sunflower
Valley Center, KS · Charter 3868 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$322KAssets
$261KLoans
$279KShares
$42KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 100% of credit unions under $1B in assets (rank 8 of 1683).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1674 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |