PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Co-operative

Coffeyville, KS · Charter 61783

NCUA · 1 branch

Q2 2026

$21.2MAssets
$10.3MLoans
$18.3MShares
$2.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.19%, up 57 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 1.31% of loans (+105 bps YoY).
  • Capital: net worth / assets of 13.61%, up 107 bps from a year ago.
  • Funding: loans stand at 56.20% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.19%+57 bps YoY

Net Interest Margin (quarter, annualized)

4.69%+79 bps YoY

Efficiency Ratio (quarter, annualized)

76.93%-740 bps YoY

Net Worth / Assets

13.61%+107 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.32%0.56%0.62%0.60%0.42%0.83%1.19%+57 bps
Return on Equity3.12%2.56%4.57%4.92%4.54%3.18%6.19%8.72%+380 bps
Net Interest Margin3.67%3.71%3.59%3.90%4.08%4.13%4.31%4.69%+79 bps
Efficiency Ratio86.34%88.63%84.49%84.33%85.33%89.11%81.34%76.93%-740 bps
Growth
Asset Growth (YoY)-3.94%-3.55%1.20%1.74%0.13%-0.77%-4.41%-4.75%-650 bps
Loan Growth (YoY)-4.25%-5.21%-9.59%-11.77%-8.07%-8.75%-3.04%-5.36%+642 bps
Share Growth (YoY)-5.19%-4.50%1.23%1.37%-0.01%-1.82%-6.27%-6.02%-739 bps
Asset Quality
Delinquent Loans / Loans1.23%1.66%0.68%0.26%0.55%0.32%0.80%1.31%+105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.63%12.62%12.28%12.54%13.12%13.13%13.33%13.61%+107 bps
Net Worth / Assets12.63%12.62%12.28%12.54%13.12%13.13%13.33%13.61%+107 bps
Liquidity & Funding
Loans / Shares62.83%60.83%53.73%55.80%57.76%56.54%55.58%56.20%+40 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps