Manhattan, KS · Charter 5257
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 0.93% | 0.87% | 0.55% | 0.59% | -41 bps | |
| Return on Equity | 9.24% | 8.57% | 8.11% | 5.15% | 5.34% | -390 bps | |
| Net Interest Margin | 3.55% | 3.54% | 3.42% | 3.30% | 3.44% | -11 bps | |
| Efficiency Ratio | 73.08% | 75.74% | 75.73% | 78.07% | 80.94% | +786 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.80% | 4.71% | 5.91% | 3.66% | 5.10% | +30 bps | |
| Loan Growth (YoY) | 12.68% | 16.01% | 11.49% | 7.51% | 9.08% | -360 bps | |
| Share Growth (YoY) | 3.56% | 3.53% | 5.10% | 3.34% | 6.44% | +288 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.81% | 1.04% | 0.70% | 0.95% | -5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.88% | 10.71% | 10.75% | 11.00% | +16 bps | |
| Net Worth / Assets | 10.84% | 10.88% | 10.71% | 10.75% | 11.00% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.72% | 65.66% | 64.10% | 62.28% | 64.28% | +156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |