Kansas City, MO · Charter 62812
NCUA · 5 branches
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
54
Asset Quality
79
Profitability
67
Liquidity
58
Efficiency
57
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.
Kansas City, MO · Charter 62812
NCUA · 5 branches
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 | 1.06% | 1.10% | 1.18% | 0.83% | 0.93% | -13 bps | |
| Return on Equity | 8.82% | 8.97% | 9.30% | 6.60% | 7.32% | -150 bps | |
| Net Interest Margin | 4.43% | 4.51% | 4.57% | 4.44% | 4.51% | +8 bps | |
| Efficiency Ratio | 77.07% | 76.42% | 74.81% | 78.61% | 75.69% | -137 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.64% | 5.78% | 4.32% | 3.60% | 3.42% | -22 bps | |
| Loan Growth (YoY) | 1.41% | 5.35% | 7.04% | 6.41% | 8.30% | +689 bps | |
| Share Growth (YoY) | 2.48% | 5.14% | 2.86% | 2.52% | 2.45% | -3 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.19% | 0.39% | 0.19% | 0.39% | +9 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 | 12.04% | 12.29% | 12.66% | 12.51% | 12.72% | +68 bps | |
| Net Worth / Assets | 12.04% | 12.29% | 12.66% | 12.51% | 12.72% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.62% | 77.30% | 79.27% | 77.25% | 78.88% | +426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 62812 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 5 branches
Q2 2026
Return on Assets
0.93%
Rank 10 of 28
Net Interest Margin
4.51%
Rank 10 of 28
Efficiency Ratio
75.70%
Rank 13 of 28
Equity / Assets
12.72%
Rank 13 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.31% | 0.62% | 1.15% | Beats 64% | 10 / 28 | |
| Return on Equity | 7.32% | 3.10% | 5.79% | 7.32% | Beats 74% | 7 / 27 | |
| Net Interest Margin | 4.51% | 3.95% | 4.17% | 4.96% | Beats 64% | 10 / 28 | |
| Efficiency Ratio | 75.70% | 71.31% | 75.97% | 85.82% | Beats 57% | 13 / 28 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.40% | 0.84% | 1.90% | Beats 79% | 7 / 28 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.72% | 9.27% | 11.97% | 17.47% | Beats 54% | 13 / 28 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.72% | 9.27% | 11.97% | 17.47% | Beats 54% | 13 / 28 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.88% | 47.88% | 66.90% | 83.14% | 71st pctl | 8 / 28 | |
| Loans / Assets | 68.84% | 42.23% | 58.20% | 69.16% | 71st pctl | 8 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||