Arkansas City, KS · Charter 62894
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Trailing 9 quarters, through Q2 2026
Capital
68
Asset Quality
80
Profitability
76
Liquidity
99
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Arkansas City, KS · Charter 62894
NCUA · 3 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 | 1.39% | 1.26% | 0.90% | 1.25% | 1.23% | 1.07% | 1.44% | 1.65% | +40 bps | |
| Return on Equity | 10.06% | 9.11% | 6.65% | 8.83% | 8.54% | 7.29% | 9.99% | 10.86% | +203 bps | |
| Net Interest Margin | 3.98% | 3.98% | 3.52% | 3.84% | 3.84% | 3.97% | 3.61% | 3.86% | +2 bps | |
| Efficiency Ratio | 76.08% | 77.86% | 81.25% | 77.35% | 76.54% | 79.58% | 76.24% | 70.68% | -667 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.95% | -1.16% | 0.76% | 0.62% | 4.87% | 1.55% | 1.81% | 1.42% | +80 bps | |
| Loan Growth (YoY) | 19.04% | -2.46% | -4.01% | -3.28% | -2.63% | -1.86% | -1.30% | -0.57% | +271 bps | |
| Share Growth (YoY) | 14.87% | -3.05% | -0.48% | -0.87% | 3.89% | -0.13% | 0.13% | -0.33% | +54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.37% | 0.29% | 0.48% | 0.56% | 0.65% | 0.13% | 0.19% | -29 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 | 13.84% | 13.86% | 13.53% | 14.11% | 14.34% | 14.72% | 14.45% | 15.16% | +106 bps | |
| Net Worth / Assets | 13.84% | 13.86% | 13.53% | 14.11% | 14.34% | 14.72% | 14.45% | 15.16% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.29% | 73.37% | 67.67% | 69.33% | 67.75% | 72.09% | 66.70% | 69.16% | -17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Arkansas City, KS · Charter 62894 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.64%
Rank 185 of 1,683
Net Interest Margin
3.85%
Rank 810 of 1,683
Efficiency Ratio
70.67%
Rank 487 of 1,682
Equity / Assets
15.16%
Rank 539 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.35% | 0.74% | 1.18% | Beats 89% | 185 / 1,683 | ||
| Return on Equity | 10.85% | 2.67% | 5.89% | 8.74% | Beats 87% | 215 / 1,681 | ||
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 52% | 810 / 1,683 | ||
| Efficiency Ratio | 70.67% | 68.91% | 78.20% | 86.93% | Beats 71% | 487 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.26% | 0.65% | 1.29% | Beats 80% | 334 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.16% | 10.44% | 12.89% | 16.53% | Beats 68% | 539 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.16% | 10.44% | 12.89% | 16.53% | Beats 68% | 539 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.16% | 52.61% | 69.38% | 83.50% | 50th pctl | 848 / 1,683 | ||
| Loans / Assets | 57.69% | 44.71% | 59.18% | 70.72% | 47th pctl | 894 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||