PackageTrendsPeer
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Kansas City

Kansas City, MO · Charter 63388

NCUA · 3 branches

Q2 2026

$46.4MAssets
$32.1MLoans
$41.7MShares
$4.0MNet 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 0.53%, down 168 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 2.57% of loans (-291 bps YoY).
  • Capital: net worth / assets of 8.64%, up 30 bps from a year ago.
  • Funding: loans stand at 76.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%-168 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-13 bps YoY

Efficiency Ratio (YTD, annualized)

96.19%+2,454 bps YoY

Net Worth / Assets

8.64%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.22%1.60%1.30%0.85%0.53%-168 bps
Return on Equity26.60%19.07%15.59%10.19%6.19%-2,041 bps
Net Interest Margin4.20%4.24%4.23%3.93%4.08%-13 bps
Efficiency Ratio71.65%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 / Loans5.48%3.21%3.37%2.28%2.57%-291 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 Capital8.34%8.41%8.34%8.36%8.64%+30 bps
Net Worth / Assets8.34%8.41%8.34%8.36%8.64%+30 bps
Liquidity & Funding
Loans / Shares86.07%80.70%78.64%76.35%76.99%-908 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps