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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |