Salina, KS · Charter 61765
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 | 0.35% | 0.23% | 0.77% | 0.80% | 0.72% | 0.34% | 0.85% | 0.91% | +11 bps | |
| Return on Equity | 2.36% | 1.61% | 5.39% | 5.60% | 5.09% | 2.39% | 6.43% | 6.74% | +115 bps | |
| Net Interest Margin | 3.31% | 3.26% | 3.36% | 3.27% | 3.26% | 3.14% | 3.23% | 3.17% | -10 bps | |
| Efficiency Ratio | 91.01% | 91.89% | 81.20% | 80.40% | 82.16% | 89.31% | 78.20% | 77.99% | -240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.18% | 4.29% | 6.61% | 10.95% | 8.01% | 6.80% | 12.20% | 10.31% | -65 bps | |
| Loan Growth (YoY) | -2.03% | 0.96% | 3.37% | 9.54% | 15.78% | 22.08% | 18.95% | 8.10% | -144 bps | |
| Share Growth (YoY) | 3.76% | 5.01% | 7.70% | 13.34% | 9.56% | 7.46% | 13.83% | 11.14% | -220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.06% | 0.37% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.37% | 0.37% | 0.36% | 0.33% | 0.33% | 0.24% | 0.25% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.75% | 14.53% | 14.31% | 14.38% | 14.21% | 14.06% | 13.21% | 13.52% | -86 bps | |
| Net Worth / Assets | 14.75% | 14.53% | 14.31% | 14.38% | 14.21% | 14.06% | 13.21% | 13.52% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.01% | 87.40% | 85.68% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |