Topeka, KS · Charter 60295
NCUA · 2 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
86
Profitability
34
Liquidity
75
Efficiency
36
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.
Topeka, KS · Charter 60295
NCUA · 2 branches
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 | 0.83% | 0.79% | 0.63% | 0.81% | 0.81% | 0.66% | 0.68% | 0.68% | -13 bps | |
| Return on Equity | 4.67% | 4.46% | 3.72% | 4.61% | 4.44% | 3.62% | 3.86% | 3.78% | -83 bps | |
| Net Interest Margin | 3.06% | 2.99% | 2.89% | 3.10% | 3.15% | 3.13% | 3.20% | 3.27% | +17 bps | |
| Efficiency Ratio | 76.16% | 76.28% | 85.83% | 79.81% | 79.05% | 82.77% | 81.89% | 82.68% | +286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.51% | 2.20% | 1.85% | 4.04% | 1.13% | 0.37% | 0.60% | 0.50% | -354 bps | |
| Loan Growth (YoY) | 0.46% | 2.61% | 4.34% | 3.15% | -3.27% | -5.07% | -6.59% | -6.59% | -975 bps | |
| Share Growth (YoY) | 0.95% | 2.00% | 1.31% | 4.46% | 1.14% | 0.89% | 0.94% | 0.58% | -389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.14% | 0.02% | 0.86% | 0.76% | 0.89% | 0.20% | 0.10% | -76 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.71% | 17.62% | 17.07% | 17.60% | 18.30% | 18.21% | 17.61% | 18.09% | +49 bps | |
| Net Worth / Assets | 17.71% | 17.62% | 17.07% | 17.60% | 18.30% | 18.21% | 17.61% | 18.09% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.79% | 69.13% | 65.75% | 66.53% | 66.75% | 65.05% | 60.84% | 61.79% | -474 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Topeka, KS · Charter 60295 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.68%
Rank 908 of 1,683
Net Interest Margin
3.26%
Rank 1,299 of 1,683
Efficiency Ratio
82.73%
Rank 1,070 of 1,682
Equity / Assets
18.09%
Rank 324 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 908 / 1,683 | ||
| Return on Equity | 3.77% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,121 / 1,681 | ||
| Net Interest Margin | 3.26% | 3.31% | 3.82% | 4.32% | Beats 23% | 1,299 / 1,683 | ||
| Efficiency Ratio | 82.73% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,070 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.29% | Beats 86% | 235 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.09% | 10.44% | 12.89% | 16.53% | Beats 81% | 324 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.09% | 10.44% | 12.89% | 16.53% | Beats 81% | 324 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.79% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,056 / 1,683 | ||
| Loans / Assets | 51.19% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,081 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||