PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmway

Beloit, KS · Charter 63374

NCUA · 5 branches

Q2 2026

$106.8MAssets
$69.0MLoans
$82.7MShares
$23.4MNet 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 0.59%, down 17 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.95% of loans (-85 bps YoY).
  • Capital: net worth / assets of 21.95%, down 102 bps from a year ago.
  • Funding: loans stand at 83.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+3 bps YoY

Efficiency Ratio (YTD, annualized)

89.23%+681 bps YoY

Net Worth / Assets

21.95%-102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.59%0.66%0.70%0.59%-17 bps
Return on Equity3.34%2.57%2.93%3.21%2.70%-64 bps
Net Interest Margin4.36%4.33%4.34%4.38%4.39%+3 bps
Efficiency Ratio82.41%83.80%83.14%85.56%89.23%+681 bps
Growth
Asset Growth (YoY)0.94%0.07%1.88%5.60%7.43%+648 bps
Loan Growth (YoY)-2.38%-0.60%-0.06%4.84%6.78%+915 bps
Share Growth (YoY)5.23%-0.92%1.85%6.55%8.63%+340 bps
Asset Quality
Delinquent Loans / Loans1.80%1.42%1.01%0.86%0.95%-85 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 Capital22.96%22.91%22.61%21.74%21.95%-102 bps
Net Worth / Assets22.96%22.91%22.61%21.74%21.95%-102 bps
Liquidity & Funding
Loans / Shares84.86%84.38%80.57%79.94%83.41%-145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps