Independence Teachers
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
$16.5MAssets
$4.5MLoans
$13.9MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 1 of 28).
- Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 25 of 28).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |