PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

K.U.M.C.

Shawnee, KS · Charter 62702

NCUA · 2 branches

Q2 2026

$31.4MAssets
$9.8MLoans
$26.9MShares
$4.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.84%, down 30 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.04% of loans (-12 bps YoY).
  • Capital: net worth / assets of 13.81%, up 79 bps from a year ago.
  • Funding: loans stand at 36.57% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.84%-30 bps YoY

Net Interest Margin (quarter, annualized)

4.13%-13 bps YoY

Efficiency Ratio (quarter, annualized)

62.17%+200 bps YoY

Net Worth / Assets

13.81%+79 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.74%2.21%2.13%2.09%2.00%1.70%1.84%-30 bps
Return on Equity13.50%13.96%17.79%16.39%15.56%14.71%12.71%13.30%-309 bps
Net Interest Margin3.98%4.24%4.17%4.26%4.26%4.20%4.03%4.13%-13 bps
Efficiency Ratio63.32%66.02%59.57%60.17%60.59%61.69%65.30%62.17%+200 bps
Growth
Asset Growth (YoY)-0.83%-3.08%0.59%1.15%1.52%7.21%7.38%8.57%+742 bps
Loan Growth (YoY)-6.76%-10.02%-12.48%-10.88%-9.69%-9.41%-8.43%-8.18%+271 bps
Share Growth (YoY)-2.68%-5.68%-1.73%-1.23%-0.88%5.86%6.20%7.59%+883 bps
Asset Quality
Delinquent Loans / Loans0.14%0.04%0.15%0.16%0.03%0.09%0.04%0.04%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.61%12.44%12.45%13.01%13.41%13.59%13.40%13.81%+79 bps
Net Worth / Assets11.61%12.44%12.45%13.01%13.41%13.59%13.40%13.81%+79 bps
Liquidity & Funding
Loans / Shares46.12%47.29%43.88%42.85%42.02%40.47%37.84%36.57%-628 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps