Wichita, KS · Charter 3907
NCUA · 4 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
64
Asset Quality
13
Profitability
54
Liquidity
21
Efficiency
84
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.
Wichita, KS · Charter 3907
NCUA · 4 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 | 0.68% | 0.66% | 2.39% | 1.36% | 1.04% | 1.23% | 0.47% | 0.53% | -83 bps | |
| Return on Equity | 4.91% | 4.81% | 17.31% | 9.93% | 7.43% | 8.65% | 3.37% | 3.63% | -630 bps | |
| Net Interest Margin | 4.52% | 4.60% | 5.05% | 5.13% | 5.39% | 5.11% | 5.42% | 5.43% | +30 bps | |
| Efficiency Ratio | 71.33% | 70.18% | 44.95% | 55.12% | 58.23% | 57.48% | 67.43% | 64.02% | +890 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.39% | 5.49% | 4.64% | 7.16% | 4.95% | 26.00% | 23.67% | 24.44% | +1,727 bps | |
| Loan Growth (YoY) | 9.83% | 10.08% | 7.75% | 7.61% | 6.51% | 6.80% | 8.70% | 8.28% | +67 bps | |
| Share Growth (YoY) | 3.71% | 5.18% | 3.60% | 7.07% | 4.40% | 23.80% | 21.81% | 22.65% | +1,558 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.47% | 1.15% | 1.59% | 1.51% | 1.98% | 1.73% | 2.11% | +52 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 | 13.89% | 13.75% | 13.78% | 13.69% | 13.97% | 14.26% | 14.03% | 14.52% | +82 bps | |
| Net Worth / Assets | 13.89% | 13.75% | 13.78% | 13.69% | 13.97% | 14.26% | 14.03% | 14.52% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.74% | 102.11% | 97.13% | 98.90% | 102.77% | 88.08% | 86.68% | 87.31% | -1,159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita, KS · Charter 3907 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.53%
Rank 1,097 of 1,683
Net Interest Margin
5.43%
Rank 82 of 1,683
Efficiency Ratio
64.02%
Rank 266 of 1,682
Equity / Assets
14.52%
Rank 600 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,097 / 1,683 | ||
| Return on Equity | 3.63% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,138 / 1,681 | ||
| Net Interest Margin | 5.43% | 3.31% | 3.82% | 4.32% | Beats 95% | 82 / 1,683 | ||
| Efficiency Ratio | 64.02% | 68.91% | 78.20% | 86.93% | Beats 84% | 266 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.11% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,467 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.52% | 10.44% | 12.89% | 16.53% | Beats 64% | 600 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.52% | 10.44% | 12.89% | 16.53% | Beats 64% | 600 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.31% | 52.61% | 69.38% | 83.50% | 82nd pctl | 309 / 1,683 | ||
| Loans / Assets | 73.88% | 44.71% | 59.18% | 70.72% | 81st pctl | 313 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||