Kansas City, MO · Charter 62812
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.08% | 0.86% | 1.06% | 1.10% | 1.18% | 0.83% | 0.93% | -13 bps | |
| Return on Equity | 9.22% | 8.99% | 7.28% | 8.82% | 8.97% | 9.30% | 6.60% | 7.32% | -150 bps | |
| Net Interest Margin | 4.42% | 4.42% | 4.33% | 4.43% | 4.51% | 4.57% | 4.44% | 4.51% | +8 bps | |
| Efficiency Ratio | 74.73% | 73.78% | 79.54% | 77.07% | 76.42% | 74.81% | 78.61% | 75.69% | -137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | -0.24% | 2.02% | 3.64% | 5.78% | 4.32% | 3.60% | 3.42% | -22 bps | |
| Loan Growth (YoY) | -3.24% | -3.28% | 0.08% | 1.41% | 5.35% | 7.04% | 6.41% | 8.30% | +689 bps | |
| Share Growth (YoY) | -3.30% | -1.57% | 0.70% | 2.48% | 5.14% | 2.86% | 2.52% | 2.45% | -3 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.42% | 0.23% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.88% | 12.00% | 11.79% | 12.04% | 12.29% | 12.66% | 12.51% | 12.72% | +68 bps | |
| Net Worth / Assets | 11.88% | 12.00% | 11.79% | 12.04% | 12.29% | 12.66% | 12.51% | 12.72% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.15% | 76.18% | 74.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |