Kansas City, KS · Charter 63169
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 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
68
Asset Quality
82
Profitability
79
Liquidity
93
Efficiency
79
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.
Kansas City, KS · Charter 63169
NCUA · 2 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 | 0.45% | 0.57% | 0.80% | 1.13% | 1.22% | 1.30% | 1.34% | 1.50% | +37 bps | |
| Return on Equity | 3.40% | 4.00% | 5.73% | 7.72% | 8.15% | 8.43% | 8.52% | 9.13% | +141 bps | |
| Net Interest Margin | 2.81% | 3.12% | 3.34% | 3.60% | 3.73% | 3.88% | 4.14% | 4.40% | +79 bps | |
| Efficiency Ratio | 86.62% | 84.58% | 79.37% | 73.29% | 72.11% | 71.26% | 71.78% | 70.08% | -321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.23% | -8.62% | -5.47% | -6.21% | -4.43% | 1.66% | -1.89% | -1.74% | +448 bps | |
| Loan Growth (YoY) | -1.69% | -2.40% | 1.33% | 0.55% | 5.14% | 12.06% | 10.48% | 7.58% | +703 bps | |
| Share Growth (YoY) | -3.46% | -10.23% | -7.22% | -8.20% | -6.46% | 0.44% | -3.91% | -3.58% | +462 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.25% | 0.06% | 0.06% | 0.21% | 0.28% | 0.08% | 0.30% | +24 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 | 13.21% | 14.33% | 14.00% | 14.68% | 14.94% | 15.39% | 15.69% | 16.44% | +176 bps | |
| Net Worth / Assets | 13.21% | 14.33% | 14.00% | 14.68% | 14.94% | 15.39% | 15.69% | 16.44% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.33% | 56.17% | 53.87% | 57.03% | 59.95% | 62.67% | 61.94% | 63.63% | +660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, KS · Charter 63169 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 2 branches
Q2 2026
Return on Assets
1.51%
Rank 4 of 28
Net Interest Margin
4.40%
Rank 11 of 28
Efficiency Ratio
70.16%
Rank 7 of 28
Equity / Assets
16.44%
Rank 9 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 0.31% | 0.62% | 1.15% | Beats 86% | 4 / 28 | ||
| Return on Equity | 9.15% | 3.10% | 5.79% | 7.32% | Beats 89% | 3 / 27 | ||
| Net Interest Margin | 4.40% | 3.95% | 4.17% | 4.96% | Beats 61% | 11 / 28 | ||
| Efficiency Ratio | 70.16% | 71.31% | 75.97% | 85.82% | Beats 79% | 7 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.40% | 0.84% | 1.90% | Beats 82% | 6 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.44% | 9.27% | 11.97% | 17.47% | Beats 68% | 9 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.44% | 9.27% | 11.97% | 17.47% | Beats 68% | 9 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.63% | 47.88% | 66.90% | 83.14% | 43rd pctl | 16 / 28 | ||
| Loans / Assets | 52.97% | 42.23% | 58.20% | 69.16% | 39th pctl | 17 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||