Salina, KS · Charter 61765
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
56
Asset Quality
82
Profitability
46
Liquidity
19
Efficiency
50
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.
Salina, KS · Charter 61765
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.72% | 0.34% | 0.85% | 0.91% | +11 bps | |
| Return on Equity | 5.60% | 5.09% | 2.39% | 6.43% | 6.74% | +115 bps | |
| Net Interest Margin | 3.27% | 3.26% | 3.14% | 3.23% | 3.17% | -10 bps | |
| Efficiency Ratio | 80.40% | 82.16% | 89.31% | 78.20% | 77.99% | -240 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.95% | 8.01% | 6.80% | 12.20% | 10.31% | -65 bps | |
| Loan Growth (YoY) | 9.54% | 15.78% | 22.08% | 18.95% | 8.10% | -144 bps | |
| Share Growth (YoY) | 13.34% | 9.56% | 7.46% | 13.83% | 11.14% | -220 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.30% | 0.55% | 0.00% | 0.15% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.33% | 0.33% | 0.24% | 0.25% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.38% | 14.21% | 14.06% | 13.21% | 13.52% | -86 bps | |
| Net Worth / Assets | 14.38% | 14.21% | 14.06% | 13.21% | 13.52% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.34% | 95.13% | 99.29% | 89.53% | 87.87% | -247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salina, KS · Charter 61765 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.90%
Rank 681 of 1,683
Net Interest Margin
3.17%
Rank 1,348 of 1,683
Efficiency Ratio
78.23%
Rank 843 of 1,682
Equity / Assets
13.51%
Rank 743 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 60% | 681 / 1,683 | |
| Return on Equity | 6.67% | 2.67% | 5.89% | 8.74% | Beats 57% | 715 / 1,681 | |
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,348 / 1,683 | |
| Efficiency Ratio | 78.23% | 68.91% | 78.20% | 86.93% | Beats 50% | 843 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 300 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.51% | 10.44% | 12.89% | 16.53% | Beats 56% | 743 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.51% | 10.44% | 12.89% | 16.53% | Beats 56% | 743 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.86% | 52.61% | 69.38% | 83.50% | 83rd pctl | 285 / 1,683 | |
| Loans / Assets | 74.97% | 44.71% | 59.18% | 70.72% | 83rd pctl | 284 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||