Coffeyville, KS · Charter 60039
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 | 0.06% | 0.02% | 0.41% | -0.08% | -0.01% | -0.34% | -0.71% | 0.58% | +66 bps | |
| Return on Equity | 0.26% | 0.08% | 1.57% | -0.30% | -0.04% | -1.28% | -2.69% | 2.20% | +249 bps | |
| Net Interest Margin | 3.99% | 4.04% | 4.05% | 4.05% | 4.14% | 4.17% | 4.41% | 4.56% | +50 bps | |
| Efficiency Ratio | 84.51% | 87.73% | 87.62% | 89.46% | 94.21% | 97.49% | 95.98% | 92.17% | +271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.71% | -7.67% | -8.13% | -9.43% | -7.02% | -6.89% | -4.66% | -1.42% | +801 bps | |
| Loan Growth (YoY) | 6.19% | 5.99% | 13.74% | -0.80% | 1.91% | -5.26% | -7.38% | -5.34% | -453 bps | |
| Share Growth (YoY) | -8.76% | -10.00% | -10.73% | -12.59% | -9.36% | -8.74% | -5.49% | -1.57% | +1,102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.13% | 1.84% | 1.73% | 0.26% | 0.66% | 1.03% | 0.28% | 1.59% | +133 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 | 1.35% | 1.46% | 1.58% | 1.19% | 0.98% | 1.53% | 1.62% | 0.91% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.94% | 25.17% | 25.92% | 26.21% | 26.79% | 26.69% | 26.56% | 26.32% | +11 bps | |
| Net Worth / Assets | 24.94% | 25.17% | 25.92% | 26.21% | 26.79% | 26.69% | 26.56% | 26.32% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.00% | 57.24% | 59.33% | 58.08% | 61.84% | 59.42% | 58.15% | 55.86% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |