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 | |