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 | |