Kansas City, MO · Charter 63388
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.72% | -2.30% | -0.05% | 2.22% | 1.60% | 1.30% | 0.85% | 0.53% | -168 bps | |
| Return on Equity | -36.73% | -30.02% | -0.73% | 26.60% | 19.07% | 15.59% | 10.19% | 6.19% | -2,041 bps | |
| Net Interest Margin | 3.93% | 4.19% | 3.75% | 4.20% | 4.24% | 4.23% | 3.93% | 4.08% | -13 bps | |
| Efficiency Ratio | 90.25% | 90.96% | 100.58% | 71.65% | 73.34% | 74.37% | 98.17% | 96.19% | +2,454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.51% | -20.95% | -15.67% | -12.12% | -5.33% | 1.67% | 3.49% | 0.60% | +1,272 bps | |
| Loan Growth (YoY) | -15.93% | -18.37% | -17.99% | -18.56% | -20.02% | -13.93% | -12.09% | -11.35% | +721 bps | |
| Share Growth (YoY) | -13.42% | -16.26% | -13.67% | -13.30% | -6.47% | 0.83% | 2.52% | -0.89% | +1,241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.70% | 1.55% | 6.66% | 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 | 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 | 7.41% | 7.66% | 7.23% | 8.34% | 8.41% | 8.34% | 8.36% | 8.64% | +30 bps | |
| Net Worth / Assets | 7.41% | 7.66% | 7.23% | 8.34% | 8.41% | 8.34% | 8.36% | 8.64% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.38% | 92.12% | 89.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |