Valley Center, KS · Charter 3868
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 | -1.80% | -1.35% | -1.18% | -1.46% | -1.04% | -0.26% | -2.48% | -1.80% | -34 bps | |
| Return on Equity | -14.18% | -10.57% | -8.87% | -11.30% | -8.66% | -1.93% | -19.76% | -13.60% | -230 bps | |
| Net Interest Margin | 7.42% | 7.55% | 8.53% | 7.77% | 7.37% | 7.91% | 6.66% | 7.39% | -39 bps | |
| Efficiency Ratio | 100.03% | 99.93% | 112.61% | 117.00% | 112.64% | 112.05% | 132.94% | 121.48% | +448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -7.66% | -8.28% | -8.48% | -0.21% | -6.96% | 1.46% | -5.11% | +337 bps | |
| Loan Growth (YoY) | 1.07% | -8.78% | -11.15% | -15.49% | -9.73% | -14.91% | -8.84% | -13.80% | +170 bps | |
| Share Growth (YoY) | 3.62% | -6.85% | -9.04% | -9.03% | 0.44% | -8.00% | 1.34% | -5.79% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.75% | 10.77% | 6.72% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.43% | 3.60% | 3.88% | 3.96% | 4.28% | 4.23% | 4.72% | 5.40% | +144 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.71% | 12.78% | 13.33% | 12.91% | 11.96% | 13.48% | 12.55% | 13.21% | +29 bps | |
| Net Worth / Assets | 12.71% | 12.78% | 13.33% | 12.91% | 11.96% | 13.48% | 12.55% | 13.21% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.10% | 105.01% | 104.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |