Topeka, KS · Charter 61823
NCUA · 12 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 | 0.38% | 0.46% | 0.18% | 0.18% | 0.22% | 0.33% | 0.48% | 0.55% | +38 bps | |
| Return on Equity | 3.64% | 4.28% | 1.77% | 1.74% | 2.12% | 3.26% | 4.77% | 5.38% | +363 bps | |
| Net Interest Margin | 3.68% | 3.82% | 3.83% | 3.88% | 3.90% | 3.91% | 3.86% | 3.98% | +9 bps | |
| Efficiency Ratio | 75.00% | 74.87% | 79.40% | 78.43% | 78.74% | 77.07% | 77.69% | 77.35% | -108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.35% | 3.08% | 0.25% | 0.70% | -0.72% | 2.69% | 2.93% | 2.96% | +226 bps | |
| Loan Growth (YoY) | 5.13% | 5.29% | 5.36% | 1.71% | -2.86% | -3.00% | -2.74% | -2.74% | -445 bps | |
| Share Growth (YoY) | 9.38% | 5.63% | 4.29% | 4.74% | 1.98% | 3.88% | 4.60% | 4.15% | -58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.09% | 1.18% | 1.03% | 0.58% | 0.79% | 0.84% | 0.75% | -29 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 | 10.34% | 10.64% | 10.15% | 10.20% | 10.31% | 10.26% | 10.12% | 10.28% | +8 bps | |
| Net Worth / Assets | 10.34% | 10.64% | 10.15% | 10.20% | 10.31% | 10.26% | 10.12% | 10.28% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.37% | 86.29% | 83.25% | 82.34% | 82.27% | 80.58% | 77.41% | 76.89% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |