Kansas City, MO · Charter 63388
NCUA · 3 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 in the Kansas City, MO-KS area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
18
Profitability
46
Liquidity
64
Efficiency
11
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.
Kansas City, MO · Charter 63388
NCUA · 3 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 | 2.22% | 1.60% | 1.30% | 0.85% | 0.53% | -168 bps | |
| Return on Equity | 26.60% | 19.07% | 15.59% | 10.19% | 6.19% | -2,041 bps | |
| Net Interest Margin | 4.20% | 4.24% | 4.23% | 3.93% | 4.08% | -13 bps | |
| Efficiency Ratio | 71.65% | 73.34% | 74.37% | 98.17% | 96.19% | +2,454 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.12% | -5.33% | 1.67% | 3.49% | 0.60% | +1,272 bps | |
| Loan Growth (YoY) | -18.56% | -20.02% | -13.93% | -12.09% | -11.35% | +721 bps | |
| Share Growth (YoY) | -13.30% | -6.47% | 0.83% | 2.52% | -0.89% | +1,241 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.48% | 3.21% | 3.37% | 2.28% | 2.57% | -291 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 | 8.34% | 8.41% | 8.34% | 8.36% | 8.64% | +30 bps | |
| Net Worth / Assets | 8.34% | 8.41% | 8.34% | 8.36% | 8.64% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.07% | 80.70% | 78.64% | 76.35% | 76.99% | -908 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 63388 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 3 branches
Q2 2026
Return on Assets
0.53%
Rank 16 of 28
Net Interest Margin
4.08%
Rank 16 of 28
Efficiency Ratio
96.16%
Rank 26 of 28
Equity / Assets
8.64%
Rank 25 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.31% | 0.62% | 1.15% | Beats 43% | 16 / 28 | |
| Return on Equity | 6.19% | 3.10% | 5.79% | 7.32% | Beats 52% | 13 / 27 | |
| Net Interest Margin | 4.08% | 3.95% | 4.17% | 4.96% | Beats 43% | 16 / 28 | |
| Efficiency Ratio | 96.16% | 71.31% | 75.97% | 85.82% | Beats 11% | 26 / 28 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.57% | 0.40% | 0.84% | 1.90% | Beats 18% | 24 / 28 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.64% | 9.27% | 11.97% | 17.47% | Beats 11% | 25 / 28 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.64% | 9.27% | 11.97% | 17.47% | Beats 11% | 25 / 28 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.99% | 47.88% | 66.90% | 83.14% | 64th pctl | 10 / 28 | |
| Loans / Assets | 69.16% | 42.23% | 58.20% | 69.16% | 75th pctl | 7 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||