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 | |