PackageTrendsPeer
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Wichita

Wichita, KS · Charter 3907

NCUA · 4 branches

Q2 2026

$280.5MAssets
$207.2MLoans
$237.3MShares
$40.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.53%, down 83 bps year over year; NIM at 5.43%.
  • Asset quality: problem loans at 2.11% of loans (+52 bps YoY).
  • Capital: net worth / assets of 14.52%, up 82 bps from a year ago.
  • Funding: loans stand at 87.31% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%-83 bps YoY

Net Interest Margin (YTD, annualized)

5.43%+30 bps YoY

Efficiency Ratio (YTD, annualized)

64.02%+890 bps YoY

Net Worth / Assets

14.52%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.04%1.23%0.47%0.53%-83 bps
Return on Equity9.93%7.43%8.65%3.37%3.63%-630 bps
Net Interest Margin5.13%5.39%5.11%5.42%5.43%+30 bps
Efficiency Ratio55.12%58.23%57.48%67.43%64.02%+890 bps
Growth
Asset Growth (YoY)7.16%4.95%26.00%23.67%24.44%+1,727 bps
Loan Growth (YoY)7.61%6.51%6.80%8.70%8.28%+67 bps
Share Growth (YoY)7.07%4.40%23.80%21.81%22.65%+1,558 bps
Asset Quality
Delinquent Loans / Loans1.59%1.51%1.98%1.73%2.11%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.69%13.97%14.26%14.03%14.52%+82 bps
Net Worth / Assets13.69%13.97%14.26%14.03%14.52%+82 bps
Liquidity & Funding
Loans / Shares98.90%102.77%88.08%86.68%87.31%-1,159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps