Beloit, KS · Charter 63374
NCUA · 5 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
90
Asset Quality
35
Profitability
47
Liquidity
38
Efficiency
19
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.
Beloit, KS · Charter 63374
NCUA · 5 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 | 0.45% | 0.52% | 0.71% | 0.77% | 0.59% | 0.66% | 0.70% | 0.59% | -17 bps | |
| Return on Equity | 2.03% | 2.32% | 3.19% | 3.34% | 2.57% | 2.93% | 3.21% | 2.70% | -64 bps | |
| Net Interest Margin | 3.81% | 3.84% | 4.20% | 4.36% | 4.33% | 4.34% | 4.38% | 4.39% | +3 bps | |
| Efficiency Ratio | 86.84% | 86.61% | 84.46% | 82.41% | 83.80% | 83.14% | 85.56% | 89.23% | +681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 2.06% | 5.57% | 0.94% | 0.07% | 1.88% | 5.60% | 7.43% | +648 bps | |
| Loan Growth (YoY) | 8.25% | 3.22% | 1.57% | -2.38% | -0.60% | -0.06% | 4.84% | 6.78% | +915 bps | |
| Share Growth (YoY) | 2.42% | 1.84% | 6.00% | 5.23% | -0.92% | 1.85% | 6.55% | 8.63% | +340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 1.20% | 2.17% | 1.80% | 1.42% | 1.01% | 0.86% | 0.95% | -85 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 | 22.30% | 22.37% | 22.28% | 22.96% | 22.91% | 22.61% | 21.74% | 21.95% | -102 bps | |
| Net Worth / Assets | 22.30% | 22.37% | 22.28% | 22.96% | 22.91% | 22.61% | 21.74% | 21.95% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.11% | 82.11% | 81.25% | 84.86% | 84.38% | 80.57% | 79.94% | 83.41% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beloit, KS · Charter 63374 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.59%
Rank 1,017 of 1,683
Net Interest Margin
4.39%
Rank 384 of 1,683
Efficiency Ratio
89.24%
Rank 1,361 of 1,682
Equity / Assets
21.95%
Rank 163 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,017 / 1,683 | ||
| Return on Equity | 2.70% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,255 / 1,681 | ||
| Net Interest Margin | 4.39% | 3.31% | 3.82% | 4.32% | Beats 77% | 384 / 1,683 | ||
| Efficiency Ratio | 89.24% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,361 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,093 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.95% | 10.44% | 12.89% | 16.53% | Beats 90% | 163 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.95% | 10.44% | 12.89% | 16.53% | Beats 90% | 163 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.41% | 52.61% | 69.38% | 83.50% | 75th pctl | 424 / 1,683 | ||
| Loans / Assets | 64.61% | 44.71% | 59.18% | 70.72% | 62nd pctl | 640 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||