PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U S P L K Employees

Leavenworth, KS · Charter 4427

NCUA · 1 branch

Q2 2026

$34.0MAssets
$7.8MLoans
$29.1MShares
$4.7MNet 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 0.89%, up 83 bps year over year; NIM at 1.91%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY).
  • Capital: net worth / assets of 13.87%, up 120 bps from a year ago.
  • Funding: loans stand at 26.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+83 bps YoY

Net Interest Margin (YTD, annualized)

1.91%+57 bps YoY

Efficiency Ratio (YTD, annualized)

57.66%-3,785 bps YoY

Net Worth / Assets

13.87%+120 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.25%0.26%0.57%0.89%+83 bps
Return on Equity0.49%1.95%2.00%4.33%6.44%+595 bps
Net Interest Margin1.33%1.45%1.55%2.37%1.91%+57 bps
Efficiency Ratio95.52%84.31%84.68%80.07%57.66%-3,785 bps
Growth
Asset Growth (YoY)-2.15%-2.15%-3.34%-3.79%-4.11%-196 bps
Loan Growth (YoY)-16.99%-12.65%-5.82%-5.08%-7.31%+967 bps
Share Growth (YoY)-2.17%-2.57%-3.82%-4.51%-5.11%-294 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.15%0.15%+15 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 Capital12.66%13.06%13.21%13.15%13.87%+120 bps
Net Worth / Assets12.66%13.06%13.21%13.15%13.87%+120 bps
Liquidity & Funding
Loans / Shares27.37%27.74%27.89%26.43%26.74%-63 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps