Kansas City, MO · Charter 4531
NCUA · 1 branch
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 in the Kansas City, MO-KS area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
61
Profitability
47
Liquidity
0
Efficiency
14
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.
Kansas City, MO · Charter 4531
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% | 1.56% | 0.98% | 1.06% | 1.19% | 1.31% | 0.65% | 0.39% | -67 bps | |
| Return on Equity | 5.67% | 5.11% | 3.13% | 3.78% | 3.95% | 4.24% | 2.25% | 1.35% | -243 bps | |
| Net Interest Margin | 7.78% | 7.58% | 8.21% | 7.37% | 7.99% | 8.19% | 7.65% | 7.76% | +39 bps | |
| Efficiency Ratio | 76.92% | 77.62% | 79.69% | 82.77% | 84.16% | 85.94% | 92.78% | 95.68% | +1,291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 18.02% | 12.65% | 19.66% | 9.29% | 2.74% | 12.17% | -0.81% | -2,046 bps | |
| Loan Growth (YoY) | 7.99% | 4.09% | 5.28% | 3.64% | 3.24% | 3.80% | -2.44% | -2.62% | -627 bps | |
| Share Growth (YoY) | 9.91% | 21.27% | 13.88% | 24.08% | 9.19% | 3.10% | 17.42% | -1.68% | -2,576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.80% | 0.49% | 0.65% | 0.68% | 1.71% | 0.39% | 0.65% | 0 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 | 1.26% | 1.52% | 1.72% | 1.74% | 1.69% | 1.44% | 1.49% | 1.24% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.76% | 30.49% | 31.35% | 28.09% | 30.22% | 30.99% | 29.12% | 29.21% | +112 bps | |
| Net Worth / Assets | 31.76% | 30.49% | 31.35% | 28.09% | 30.22% | 30.99% | 29.12% | 29.21% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 132.42% | 128.59% | 136.27% | 114.49% | 125.20% | 129.46% | 113.22% | 113.40% | -110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 4531 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 19 of 28
Net Interest Margin
7.77%
Rank 2 of 28
Efficiency Ratio
95.63%
Rank 25 of 28
Equity / Assets
29.22%
Rank 3 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.31% | 0.62% | 1.15% | Beats 32% | 19 / 28 | ||
| Return on Equity | 1.37% | 3.10% | 5.79% | 7.32% | Beats 15% | 23 / 27 | ||
| Net Interest Margin | 7.77% | 3.95% | 4.17% | 4.96% | Beats 93% | 2 / 28 | ||
| Efficiency Ratio | 95.63% | 71.31% | 75.97% | 85.82% | Beats 14% | 25 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.64% | 0.40% | 0.84% | 1.90% | Beats 61% | 12 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.22% | 9.27% | 11.97% | 17.47% | Beats 89% | 3 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.22% | 9.27% | 11.97% | 17.47% | Beats 89% | 3 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 113.40% | 47.88% | 66.90% | 83.14% | 93rd pctl | 2 / 28 | ||
| Loans / Assets | 78.73% | 42.23% | 58.20% | 69.16% | 96th pctl | 1 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||