Topeka, KS · Charter 63042
NCUA · 2 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 Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
100
Profitability
48
Liquidity
96
Efficiency
86
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.
Topeka, KS · Charter 63042
NCUA · 2 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 | 1.29% | 1.28% | 0.57% | 1.14% | 1.14% | -15 bps | |
| Return on Equity | 4.62% | 4.82% | 2.24% | 4.41% | 4.41% | -21 bps | |
| Net Interest Margin | 2.64% | 2.56% | 1.96% | 2.54% | 2.48% | -17 bps | |
| Efficiency Ratio | 52.55% | 50.90% | 71.38% | 55.44% | 54.72% | +217 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.36% | 10.44% | 10.21% | 10.04% | 10.36% | +400 bps | |
| Loan Growth (YoY) | 5.37% | 4.48% | 4.45% | 4.49% | 0.29% | -508 bps | |
| Share Growth (YoY) | 6.61% | 12.65% | 12.28% | 13.09% | 14.18% | +757 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.04% | 0.00% | 0.00% | 0.03% | -1 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 | 27.84% | 26.54% | 25.62% | 25.93% | 25.78% | -206 bps | |
| Net Worth / Assets | 27.84% | 26.54% | 25.62% | 25.93% | 25.78% | -206 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.18% | 67.54% | 66.17% | 66.53% | 64.28% | -890 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Topeka, KS · Charter 63042 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
1.14%
Rank 5 of 22
Net Interest Margin
2.47%
Rank 20 of 22
Efficiency Ratio
54.42%
Rank 4 of 22
Equity / Assets
25.78%
Rank 1 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.11% | 0.57% | 0.99% | Beats 77% | 5 / 22 | |
| Return on Equity | 4.43% | 0.85% | 3.93% | 5.70% | Beats 59% | 9 / 22 | |
| Net Interest Margin | 2.47% | 3.17% | 3.57% | 4.25% | Beats 9% | 20 / 22 | |
| Efficiency Ratio | 54.42% | 65.75% | 80.47% | 91.31% | Beats 86% | 4 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.34% | 0.86% | 1.42% | Beats 100% | 1 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.78% | 10.62% | 13.36% | 14.42% | Beats 95% | 1 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.78% | 10.62% | 13.36% | 14.42% | Beats 95% | 1 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.28% | 61.01% | 65.58% | 83.83% | 45th pctl | 12 / 22 | |
| Loans / Assets | 47.64% | 47.64% | 55.55% | 72.11% | 23rd pctl | 17 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||