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1st Kansas

Topeka, KS · Charter 63217

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

1st Kansas

Topeka, KS · Charter 63217

NCUA · 1 branch

Q2 2026

$12.2MAssets
$5.0MLoans
$9.7MShares
$2.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.64%, down 29 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.41% of loans (-100 bps YoY).
  • Capital: net worth / assets of 19.90%, down 103 bps from a year ago.
  • Funding: loans stand at 51.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.12%0 bps YoY

Efficiency Ratio (YTD, annualized)

81.20%+726 bps YoY

Net Worth / Assets

19.90%-103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.95%0.60%0.46%0.64%-29 bps
Return on Equity4.48%4.53%2.98%2.37%3.23%-125 bps
Net Interest Margin3.12%3.03%2.77%2.84%3.12%0 bps
Efficiency Ratio73.94%72.93%81.46%86.28%81.20%+726 bps
Growth
Asset Growth (YoY)2.20%2.37%7.25%8.35%6.96%+476 bps
Loan Growth (YoY)-8.81%-9.25%-6.03%-3.02%-5.19%+362 bps
Share Growth (YoY)2.14%2.58%8.37%9.90%8.19%+605 bps
Asset Quality
Delinquent Loans / Loans1.41%0.03%0.67%0.74%0.41%-100 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.93%20.86%20.10%19.58%19.90%-103 bps
Net Worth / Assets20.93%20.86%20.10%19.58%19.90%-103 bps
Liquidity & Funding
Loans / Shares58.26%55.33%53.80%51.69%51.05%-721 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

1st Kansas

Topeka, KS · Charter 63217 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$12.2MAssets
$5.0MLoans
$9.7MShares
$2.4MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 86% of credit unions under $1B in assets (rank 229 of 1683).
  • Widest gap: net interest margin trails 82% of credit unions under $1B in assets (rank 1386 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.64%

Rank 960 of 1,683

Net Interest Margin

3.11%

Rank 1,386 of 1,683

Efficiency Ratio

81.00%

Rank 979 of 1,682

Equity / Assets

19.90%

Rank 229 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.35%0.74%1.18%Beats 43%960 / 1,683
Return on Equity3.23%2.67%5.89%8.74%Beats 30%1,185 / 1,681
Net Interest Margin3.11%3.31%3.82%4.32%Beats 18%1,386 / 1,683
Efficiency Ratio81.00%68.91%78.20%86.93%Beats 42%979 / 1,682
Asset Quality
Nonperforming Loans / Loans0.40%0.26%0.65%1.29%Beats 66%574 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.90%10.44%12.89%16.53%Beats 86%229 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.90%10.44%12.89%16.53%Beats 86%229 / 1,683
Liquidity & Funding
Loans / Deposits51.05%52.61%69.38%83.50%23rd pctl1,299 / 1,683
Loans / Assets40.87%44.71%59.18%70.72%20th pctl1,340 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution