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
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 | 0.82% | 1.07% | 1.38% | 1.00% | 1.11% | 1.10% | 0.92% | 1.00% | +1 bps | |
| Return on Equity | 6.04% | 7.40% | 9.42% | 6.92% | 7.48% | 7.12% | 6.07% | 6.46% | -46 bps | |
| Net Interest Margin | 2.54% | 2.67% | 2.89% | 2.82% | 2.90% | 2.94% | 2.69% | 2.75% | -7 bps | |
| Efficiency Ratio | 54.59% | 51.43% | 50.21% | 52.59% | 52.29% | 52.53% | 58.96% | 61.15% | +856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -1.21% | -2.25% | 0.96% | -0.47% | 1.27% | 3.14% | -0.40% | -137 bps | |
| Loan Growth (YoY) | -7.54% | -1.72% | -5.01% | -8.79% | -11.08% | -16.72% | -13.93% | -8.67% | +13 bps | |
| Share Growth (YoY) | -3.23% | -2.63% | -3.95% | -0.18% | -1.99% | 0.15% | 2.52% | -1.77% | -159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.27% | 0.47% | 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 | 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 | 13.56% | 14.48% | 14.61% | 14.39% | 14.88% | 15.40% | 15.12% | 15.52% | +113 bps | |
| Net Worth / Assets | 13.56% | 14.48% | 14.61% | 14.39% | 14.88% | 15.40% | 15.12% | 15.52% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.42% | 40.81% | 37.85% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||