Emporia, KS · Charter 63319
NCUA · 1 branch
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
69
Asset Quality
55
Profitability
63
Liquidity
0
Efficiency
95
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.
Emporia, KS · Charter 63319
NCUA · 1 branch
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 | 1.35% | 1.73% | 1.43% | 1.31% | 1.44% | +9 bps | |
| Return on Equity | 8.77% | 11.30% | 9.00% | 8.63% | 9.39% | +62 bps | |
| Net Interest Margin | 3.13% | 3.13% | 3.26% | 3.29% | 3.34% | +20 bps | |
| Efficiency Ratio | 63.51% | 53.53% | 58.58% | 53.05% | 52.29% | -1,122 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.78% | 7.19% | 6.31% | 7.77% | 10.71% | +593 bps | |
| Loan Growth (YoY) | -0.55% | -0.32% | 1.16% | 2.52% | -0.83% | -28 bps | |
| Share Growth (YoY) | 3.15% | 6.82% | 5.22% | 7.89% | 11.43% | +828 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 1.07% | 1.29% | 0.30% | 0.56% | -90 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 | 15.37% | 15.34% | 15.88% | 15.14% | 15.31% | -7 bps | |
| Net Worth / Assets | 15.37% | 15.34% | 15.88% | 15.14% | 15.31% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.05% | 36.93% | 38.19% | 34.69% | 33.86% | -419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Emporia, KS · Charter 63319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.44%
Rank 276 of 1,683
Net Interest Margin
3.34%
Rank 1,254 of 1,683
Efficiency Ratio
52.26%
Rank 81 of 1,682
Equity / Assets
15.31%
Rank 519 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 0.35% | 0.74% | 1.18% | Beats 84% | 276 / 1,683 | |
| Return on Equity | 9.40% | 2.67% | 5.89% | 8.74% | Beats 80% | 341 / 1,681 | |
| Net Interest Margin | 3.34% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,254 / 1,683 | |
| Efficiency Ratio | 52.26% | 68.91% | 78.20% | 86.93% | Beats 95% | 81 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.29% | Beats 55% | 753 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.31% | 10.44% | 12.89% | 16.53% | Beats 69% | 519 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.31% | 10.44% | 12.89% | 16.53% | Beats 69% | 519 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.86% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,566 / 1,683 | |
| Loans / Assets | 28.45% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,569 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||