Independence, MO · Charter 62620
NCUA · 1 branch
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 in the Kansas City, MO-KS area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
100
Profitability
49
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.
Independence, MO · Charter 62620
NCUA · 1 branch
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 | 1.00% | 1.11% | 1.10% | 0.92% | 1.00% | +1 bps | |
| Return on Equity | 6.92% | 7.48% | 7.12% | 6.07% | 6.46% | -46 bps | |
| Net Interest Margin | 2.82% | 2.90% | 2.94% | 2.69% | 2.75% | -7 bps | |
| Efficiency Ratio | 52.59% | 52.29% | 52.53% | 58.96% | 61.15% | +856 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.96% | -0.47% | 1.27% | 3.14% | -0.40% | -137 bps | |
| Loan Growth (YoY) | -8.79% | -11.08% | -16.72% | -13.93% | -8.67% | +13 bps | |
| Share Growth (YoY) | -0.18% | -1.99% | 0.15% | 2.52% | -1.77% | -159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 0.67% | 0.29% | 0.00% | 0.03% | -112 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 | 14.39% | 14.88% | 15.40% | 15.12% | 15.52% | +113 bps | |
| Net Worth / Assets | 14.39% | 14.88% | 15.40% | 15.12% | 15.52% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.90% | 35.76% | 33.94% | 31.78% | 32.45% | -245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Independence, MO · Charter 62620 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
Return on Assets
1.01%
Rank 9 of 28
Net Interest Margin
2.76%
Rank 25 of 28
Efficiency Ratio
60.96%
Rank 3 of 28
Equity / Assets
15.52%
Rank 10 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.31% | 0.62% | 1.15% | Beats 68% | 9 / 28 | |
| Return on Equity | 6.49% | 3.10% | 5.79% | 7.32% | Beats 67% | 9 / 27 | |
| Net Interest Margin | 2.76% | 3.95% | 4.17% | 4.96% | Beats 11% | 25 / 28 | |
| Efficiency Ratio | 60.96% | 71.31% | 75.97% | 85.82% | Beats 93% | 3 / 28 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.40% | 0.84% | 1.90% | Beats 100% | 1 / 28 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.52% | 9.27% | 11.97% | 17.47% | Beats 64% | 10 / 28 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.52% | 9.27% | 11.97% | 17.47% | Beats 64% | 10 / 28 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.44% | 47.88% | 66.90% | 83.14% | 4th pctl | 27 / 28 | |
| Loans / Assets | 27.34% | 42.23% | 58.20% | 69.16% | 4th pctl | 27 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||