PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

CSD

Kansas City, MO · Charter 62701

NCUA · 2 branches

Q2 2026

$90.5MAssets
$38.2MLoans
$79.8MShares
$10.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.48%, down 33 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.47% of loans (-3 bps YoY).
  • Capital: net worth / assets of 11.23%, down 54 bps from a year ago.
  • Funding: loans stand at 47.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.48%-33 bps YoY

Net Interest Margin (quarter, annualized)

3.18%-19 bps YoY

Efficiency Ratio (quarter, annualized)

81.16%+567 bps YoY

Net Worth / Assets

11.23%-54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.77%0.69%0.58%0.48%-33 bps
Return on Equity6.81%6.49%6.08%5.18%4.23%-258 bps
Net Interest Margin3.37%3.41%3.24%3.05%3.18%-19 bps
Efficiency Ratio75.49%75.42%75.50%78.35%81.16%+567 bps
Growth
Asset Growth (YoY)7.26%7.87%13.41%9.81%10.13%+287 bps
Loan Growth (YoY)-2.70%-0.39%-0.05%2.74%2.87%+557 bps
Share Growth (YoY)7.08%7.89%14.34%10.19%10.77%+369 bps
Asset Quality
Delinquent Loans / Loans0.51%0.29%0.32%0.42%0.47%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.77%11.81%11.39%11.27%11.23%-54 bps
Net Worth / Assets11.77%11.81%11.39%11.27%11.23%-54 bps
Liquidity & Funding
Loans / Shares51.56%52.24%49.43%49.05%47.88%-368 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps