Wichita, KS · Charter 63300
NCUA · 6 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
19
Asset Quality
40
Profitability
13
Liquidity
94
Efficiency
22
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 63300
NCUA · 6 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 | -0.24% | -0.21% | -0.42% | 0.01% | 0.12% | +36 bps | |
| Return on Equity | -1.92% | -1.72% | -3.55% | 0.13% | 1.23% | +315 bps | |
| Net Interest Margin | 2.77% | 2.84% | 2.84% | 2.55% | 2.71% | -6 bps | |
| Efficiency Ratio | 95.11% | 93.19% | 88.92% | 92.09% | 88.03% | -708 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.49% | -5.13% | 10.61% | 25.31% | 24.17% | +2,866 bps | |
| Loan Growth (YoY) | 14.70% | 10.58% | 8.51% | -0.86% | 0.11% | -1,459 bps | |
| Share Growth (YoY) | -0.17% | -1.85% | -1.23% | -4.41% | -4.24% | -406 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 1.01% | 1.19% | 0.92% | 0.86% | -58 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 | 12.61% | 12.48% | 11.92% | 9.79% | 9.94% | -267 bps | |
| Net Worth / Assets | 12.61% | 12.48% | 11.92% | 9.79% | 9.94% | -267 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.65% | 67.68% | 67.38% | 67.67% | 70.72% | +307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wichita, KS · Charter 63300 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.12%
Rank 1,430 of 1,683
Net Interest Margin
2.71%
Rank 1,569 of 1,683
Efficiency Ratio
88.02%
Rank 1,306 of 1,682
Equity / Assets
9.94%
Rank 1,359 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,430 / 1,683 | |
| Return on Equity | 1.24% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,405 / 1,681 | |
| Net Interest Margin | 2.71% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,569 / 1,683 | |
| Efficiency Ratio | 88.02% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,306 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,010 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,359 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,359 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.72% | 52.61% | 69.38% | 83.50% | 53rd pctl | 799 / 1,683 | |
| Loans / Assets | 47.95% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,171 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||