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.
Trailing 9 quarters, through Q2 2026
Capital
81
Asset Quality
25
Profitability
53
Liquidity
67
Efficiency
79
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Garden City, KS · Charter 62542
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 | 0.56% | 0.79% | 0.74% | 0.94% | 1.04% | 1.05% | 1.06% | 0.88% | -6 bps | |
| Return on Equity | 4.89% | 6.63% | 6.33% | 7.55% | 8.14% | 8.02% | 8.15% | 6.67% | -88 bps | |
| Net Interest Margin | 3.06% | 3.16% | 3.28% | 3.54% | 3.61% | 3.63% | 3.52% | 3.54% | +1 bps | |
| Efficiency Ratio | 65.72% | 64.55% | 63.71% | 62.28% | 61.43% | 62.50% | 63.85% | 63.47% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | -0.01% | 1.66% | -1.52% | -2.32% | -1.52% | -2.15% | 2.37% | +390 bps | |
| Loan Growth (YoY) | -0.06% | -0.82% | -1.79% | -2.87% | -4.71% | -5.76% | -6.46% | -7.62% | -475 bps | |
| Share Growth (YoY) | 1.69% | 3.02% | 4.77% | 1.87% | 0.64% | 0.67% | -1.16% | 1.84% | -4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.64% | 0.48% | 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 | 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 | 11.38% | 11.85% | 11.66% | 12.50% | 12.80% | 13.09% | 13.02% | 13.21% | +71 bps | |
| Net Worth / Assets | 11.38% | 11.85% | 11.66% | 12.50% | 12.80% | 13.09% | 13.02% | 13.21% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.29% | 105.83% | 98.94% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||