Hutchinson, KS · Charter 62031
NCUA · 11 branches
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
18
Asset Quality
27
Profitability
96
Liquidity
0
Efficiency
93
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.
Hutchinson, KS · Charter 62031
NCUA · 11 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 | 0.24% | 0.25% | 0.61% | 0.83% | 0.90% | 1.02% | 1.45% | 2.43% | +160 bps | |
| Return on Equity | 2.81% | 2.82% | 7.06% | 9.47% | 10.18% | 11.29% | 15.81% | 24.78% | +1,531 bps | |
| Net Interest Margin | 3.74% | 3.84% | 3.98% | 4.04% | 4.10% | 4.09% | 4.31% | 4.84% | +80 bps | |
| Efficiency Ratio | 76.23% | 73.39% | 80.07% | 73.24% | 72.29% | 68.01% | 63.11% | 54.61% | -1,863 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.09% | 4.18% | 3.58% | 4.39% | 4.02% | 7.13% | 8.29% | 8.92% | +453 bps | |
| Loan Growth (YoY) | 2.28% | 5.13% | 4.78% | 4.70% | 5.49% | 5.29% | 6.80% | 8.20% | +350 bps | |
| Share Growth (YoY) | 8.08% | 2.02% | 3.89% | 1.85% | 0.39% | 7.99% | 7.91% | 8.44% | +660 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.33% | 1.02% | 0.80% | 0.75% | 0.91% | 0.78% | 1.20% | +40 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 | 8.62% | 8.73% | 8.67% | 8.77% | 8.89% | 9.03% | 9.16% | 9.79% | +102 bps | |
| Net Worth / Assets | 8.62% | 8.73% | 8.67% | 8.77% | 8.89% | 9.03% | 9.16% | 9.79% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.77% | 102.70% | 97.93% | 102.25% | 101.68% | 100.13% | 96.92% | 102.03% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hutchinson, KS · Charter 62031 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
Return on Assets
2.43%
Rank 35 of 1,683
Net Interest Margin
4.84%
Rank 189 of 1,683
Efficiency Ratio
54.61%
Rank 113 of 1,682
Equity / Assets
9.79%
Rank 1,377 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.43% | 0.35% | 0.74% | 1.18% | Beats 98% | 35 / 1,683 | ||
| Return on Equity | 24.78% | 2.67% | 5.89% | 8.74% | Beats 100% | 6 / 1,681 | ||
| Net Interest Margin | 4.84% | 3.31% | 3.82% | 4.32% | Beats 89% | 189 / 1,683 | ||
| Efficiency Ratio | 54.61% | 68.91% | 78.20% | 86.93% | Beats 93% | 113 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,231 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.79% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,377 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.79% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,377 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.03% | 52.61% | 69.38% | 83.50% | 97th pctl | 45 / 1,683 | ||
| Loans / Assets | 84.10% | 44.71% | 59.18% | 70.72% | 97th pctl | 58 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||