Wichita, KS · Charter 60731
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 (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
11
Asset Quality
59
Profitability
66
Liquidity
66
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.
Wichita, KS · Charter 60731
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 | -0.09% | 0.17% | 1.18% | 0.61% | 0.50% | 0.41% | 0.24% | 0.65% | +4 bps | |
| Return on Equity | -0.96% | 1.76% | 12.26% | 5.91% | 5.50% | 4.42% | 2.70% | 7.13% | +122 bps | |
| Net Interest Margin | 5.01% | 5.01% | 5.54% | 6.11% | 5.45% | 5.43% | 5.11% | 5.18% | -92 bps | |
| Efficiency Ratio | 100.43% | 96.01% | 74.70% | 73.52% | 77.28% | 78.76% | 83.92% | 82.87% | +935 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.05% | 8.83% | 8.68% | 1.06% | 15.44% | 11.99% | 11.83% | 19.17% | +1,812 bps | |
| Loan Growth (YoY) | 11.75% | 10.36% | 9.22% | 8.98% | 8.91% | 6.97% | 5.63% | 3.14% | -583 bps | |
| Share Growth (YoY) | 4.93% | 10.38% | 8.94% | 0.46% | 16.57% | 12.87% | 12.86% | 20.86% | +2,040 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.76% | 0.25% | 0.36% | 2.42% | 2.12% | 0.23% | 0.50% | +14 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 | 9.85% | 9.82% | 9.63% | 10.33% | 9.13% | 9.17% | 8.79% | 9.13% | -120 bps | |
| Net Worth / Assets | 9.85% | 9.82% | 9.63% | 10.33% | 9.13% | 9.17% | 8.79% | 9.13% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.00% | 85.20% | 80.58% | 90.23% | 80.36% | 80.75% | 75.42% | 77.01% | -1,322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita, KS · Charter 60731 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.65%
Rank 946 of 1,683
Net Interest Margin
5.18%
Rank 114 of 1,683
Efficiency Ratio
82.86%
Rank 1,077 of 1,682
Equity / Assets
9.13%
Rank 1,493 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 44% | 946 / 1,683 | ||
| Return on Equity | 7.14% | 2.67% | 5.89% | 8.74% | Beats 62% | 631 / 1,681 | ||
| Net Interest Margin | 5.18% | 3.31% | 3.82% | 4.32% | Beats 93% | 114 / 1,683 | ||
| Efficiency Ratio | 82.86% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,077 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 692 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.13% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,493 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.13% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,493 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.01% | 52.61% | 69.38% | 83.50% | 64th pctl | 605 / 1,683 | ||
| Loans / Assets | 69.56% | 44.71% | 59.18% | 70.72% | 73rd pctl | 461 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||