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 | |