Hutchinson, KS · Charter 63090
NCUA · 1 branch
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 | 0.80% | 0.73% | 0.35% | 0.54% | 0.52% | 0.31% | -0.13% | 0.35% | -19 bps | |
| Return on Equity | 6.24% | 5.68% | 2.82% | 4.29% | 4.12% | 2.43% | -1.08% | 2.66% | -163 bps | |
| Net Interest Margin | 4.51% | 4.48% | 4.47% | 4.28% | 4.22% | 4.14% | 3.51% | 3.88% | -40 bps | |
| Efficiency Ratio | 86.26% | 84.90% | 93.77% | 90.27% | 89.77% | 93.76% | 102.76% | 93.47% | +320 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.10% | -1.38% | -1.06% | 0.54% | 5.18% | 5.02% | 2.72% | -2.35% | -289 bps | |
| Loan Growth (YoY) | -9.47% | -8.67% | -7.32% | -6.23% | -5.01% | -2.23% | -2.19% | -3.35% | +288 bps | |
| Share Growth (YoY) | -6.83% | -2.30% | -1.66% | 0.15% | 2.95% | 4.89% | 3.49% | -4.45% | -460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.20% | 2.67% | 2.97% | 2.78% | 2.54% | 2.67% | 2.24% | 2.05% | -73 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 | 12.79% | 12.92% | 12.48% | 12.60% | 12.68% | 12.61% | 12.33% | 13.11% | +52 bps | |
| Net Worth / Assets | 12.79% | 12.92% | 12.48% | 12.60% | 12.68% | 12.61% | 12.33% | 13.11% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.68% | 57.48% | 53.88% | 53.72% | 54.14% | 53.58% | 50.92% | 54.34% | +62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |