Wichita, KS · Charter 63211
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 (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.
Capital
8
Asset Quality
14
Profitability
37
Liquidity
0
Efficiency
31
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.
Wichita, KS · Charter 63211
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 | -1.25% | -1.07% | -0.71% | -0.45% | -0.86% | -0.89% | -1.43% | -0.24% | +21 bps | |
| Return on Equity | -13.24% | -11.21% | -8.12% | -5.00% | -9.74% | -10.07% | -17.36% | -2.79% | +221 bps | |
| Net Interest Margin | 5.45% | 5.59% | 5.14% | 5.44% | 5.61% | 5.85% | 5.70% | 5.92% | +48 bps | |
| Efficiency Ratio | 88.69% | 82.86% | 90.29% | 86.13% | 86.93% | 83.70% | 89.51% | 84.12% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.51% | -4.85% | 0.03% | -0.32% | -0.93% | -2.60% | -6.02% | -4.06% | -374 bps | |
| Loan Growth (YoY) | -3.07% | -4.44% | -4.69% | 0.29% | 0.47% | 1.43% | -1.06% | -4.59% | -489 bps | |
| Share Growth (YoY) | -8.27% | -3.37% | 0.51% | 0.58% | -1.18% | -1.50% | -6.31% | -4.00% | -459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 3.32% | 1.45% | 1.58% | 3.12% | 3.34% | 2.09% | 2.04% | +46 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 | 9.48% | 9.52% | 8.73% | 9.03% | 8.81% | 8.88% | 8.25% | 8.64% | -39 bps | |
| Net Worth / Assets | 9.48% | 9.52% | 8.73% | 9.03% | 8.81% | 8.88% | 8.25% | 8.64% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.10% | 100.56% | 92.60% | 99.97% | 101.77% | 103.54% | 97.79% | 99.36% | -61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita, KS · Charter 63211 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.24%
Rank 1,545 of 1,683
Net Interest Margin
5.91%
Rank 46 of 1,683
Efficiency Ratio
84.25%
Rank 1,155 of 1,682
Equity / Assets
8.64%
Rank 1,552 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.24% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,545 / 1,683 | ||
| Return on Equity | -2.83% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,568 / 1,681 | ||
| Net Interest Margin | 5.91% | 3.31% | 3.82% | 4.32% | Beats 97% | 46 / 1,683 | ||
| Efficiency Ratio | 84.25% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,155 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.04% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,453 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.64% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,552 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.64% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,552 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.35% | 52.61% | 69.38% | 83.50% | 96th pctl | 62 / 1,683 | ||
| Loans / Assets | 89.13% | 44.71% | 59.18% | 70.72% | 99th pctl | 12 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||