North Kansas Ci, MO · Charter 62895
NCUA · 1 branch
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
86
Asset Quality
43
Profitability
81
Liquidity
83
Efficiency
82
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.
North Kansas Ci, MO · Charter 62895
NCUA · 1 branch
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 | 1.82% | 1.66% | 1.10% | 1.33% | 1.57% | -25 bps | |
| Return on Equity | 8.54% | 7.96% | 5.30% | 6.63% | 7.67% | -87 bps | |
| Net Interest Margin | 4.90% | 4.67% | 4.31% | 4.59% | 4.96% | +6 bps | |
| Efficiency Ratio | 66.94% | 68.03% | 77.51% | 73.94% | 69.91% | +297 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.46% | 4.96% | 0.96% | 10.12% | 9.42% | +1,087 bps | |
| Loan Growth (YoY) | -7.00% | -3.03% | 0.11% | 3.35% | 11.04% | +1,804 bps | |
| Share Growth (YoY) | -3.10% | 4.71% | 0.02% | 11.79% | 10.62% | +1,372 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 1.09% | 0.93% | 1.01% | 1.09% | +12 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 | 21.35% | 20.90% | 20.69% | 19.98% | 20.51% | -84 bps | |
| Net Worth / Assets | 21.35% | 20.90% | 20.69% | 19.98% | 20.51% | -84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.63% | 68.47% | 68.81% | 65.76% | 70.89% | +27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Kansas Ci, MO · Charter 62895 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
Return on Assets
1.57%
Rank 3 of 28
Net Interest Margin
4.96%
Rank 7 of 28
Efficiency Ratio
70.02%
Rank 6 of 28
Equity / Assets
20.51%
Rank 4 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 0.31% | 0.62% | 1.15% | Beats 89% | 3 / 28 | |
| Return on Equity | 7.66% | 3.10% | 5.79% | 7.32% | Beats 78% | 6 / 27 | |
| Net Interest Margin | 4.96% | 3.95% | 4.17% | 4.96% | Beats 75% | 7 / 28 | |
| Efficiency Ratio | 70.02% | 71.31% | 75.97% | 85.82% | Beats 82% | 6 / 28 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.09% | 0.40% | 0.84% | 1.90% | Beats 43% | 17 / 28 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.51% | 9.27% | 11.97% | 17.47% | Beats 86% | 4 / 28 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.51% | 9.27% | 11.97% | 17.47% | Beats 86% | 4 / 28 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.89% | 47.88% | 66.90% | 83.14% | 61st pctl | 11 / 28 | |
| Loans / Assets | 55.79% | 42.23% | 58.20% | 69.16% | 46th pctl | 15 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||