Garden City, KS · Charter 62542
NCUA · 12 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
25
Profitability
53
Liquidity
67
Efficiency
79
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.
Garden City, KS · Charter 62542
NCUA · 12 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.04% | 1.05% | 1.06% | 0.88% | -6 bps | |
| Return on Equity | 7.55% | 8.14% | 8.02% | 8.15% | 6.67% | -88 bps | |
| Net Interest Margin | 3.54% | 3.61% | 3.63% | 3.52% | 3.54% | +1 bps | |
| Efficiency Ratio | 62.28% | 61.43% | 62.50% | 63.85% | 63.47% | +119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.52% | -2.32% | -1.52% | -2.15% | 2.37% | +390 bps | |
| Loan Growth (YoY) | -2.87% | -4.71% | -5.76% | -6.46% | -7.62% | -475 bps | |
| Share Growth (YoY) | 1.87% | 0.64% | 0.67% | -1.16% | 1.84% | -4 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.75% | 1.15% | 0.94% | 1.06% | +48 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.50% | 12.80% | 13.09% | 13.02% | 13.21% | +71 bps | |
| Net Worth / Assets | 12.50% | 12.80% | 13.09% | 13.02% | 13.21% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.44% | 101.58% | 99.07% | 93.63% | 92.93% | -951 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Garden City, KS · Charter 62542 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
Return on Assets
0.88%
Rank 188 of 435
Net Interest Margin
3.54%
Rank 168 of 435
Efficiency Ratio
63.47%
Rank 93 of 435
Equity / Assets
13.21%
Rank 83 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.55% | 0.81% | 1.14% | Beats 57% | 188 / 435 | |
| Return on Equity | 6.67% | 5.12% | 7.41% | 9.70% | Beats 41% | 258 / 435 | |
| Net Interest Margin | 3.54% | 3.01% | 3.39% | 3.75% | Beats 61% | 168 / 435 | |
| Efficiency Ratio | 63.47% | 65.25% | 71.39% | 77.86% | Beats 79% | 93 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.06% | 0.45% | 0.69% | 1.05% | Beats 25% | 329 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.21% | 9.81% | 10.84% | 12.63% | Beats 81% | 83 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.21% | 9.81% | 10.84% | 12.63% | Beats 81% | 83 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.93% | 78.33% | 88.38% | 95.61% | 65th pctl | 153 / 435 | |
| Loans / Assets | 80.15% | 67.69% | 74.58% | 80.80% | 71st pctl | 127 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||