PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Public Safety

Kansas City, MO · Charter 62812

NCUA · 5 branches

Q2 2026

$191.4MAssets
$131.8MLoans
$167.1MShares
$24.3MNet 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 0.93%, down 13 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.39% of loans (+9 bps YoY).
  • Capital: net worth / assets of 12.72%, up 68 bps from a year ago.
  • Funding: loans stand at 78.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%-13 bps YoY

Net Interest Margin (YTD, annualized)

4.51%+8 bps YoY

Efficiency Ratio (YTD, annualized)

75.69%-137 bps YoY

Net Worth / Assets

12.72%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.10%1.18%0.83%0.93%-13 bps
Return on Equity8.82%8.97%9.30%6.60%7.32%-150 bps
Net Interest Margin4.43%4.51%4.57%4.44%4.51%+8 bps
Efficiency Ratio77.07%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 / Loans0.30%0.19%0.39%0.19%0.39%+9 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 Capital12.04%12.29%12.66%12.51%12.72%+68 bps
Net Worth / Assets12.04%12.29%12.66%12.51%12.72%+68 bps
Liquidity & Funding
Loans / Shares74.62%77.30%79.27%77.25%78.88%+426 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps