Overland Park, KS · Charter 63598
NCUA · 1 branch
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
79
Asset Quality
50
Profitability
53
Liquidity
3
Efficiency
64
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.
Overland Park, KS · Charter 63598
NCUA · 1 branch
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 | -0.71% | -0.66% | -0.17% | 0.02% | 0.64% | 0.62% | 1.91% | 1.34% | +132 bps | |
| Return on Equity | -4.53% | -4.09% | -1.04% | 0.14% | 3.49% | 3.32% | 10.27% | 7.07% | +693 bps | |
| Net Interest Margin | 1.13% | 1.26% | 1.60% | 1.75% | 1.94% | 2.01% | 2.34% | 2.48% | +73 bps | |
| Efficiency Ratio | 136.58% | 132.39% | 100.53% | 94.41% | 90.29% | 87.07% | 76.63% | 73.01% | -2,140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.29% | -11.27% | -11.86% | -10.35% | -13.33% | -10.22% | -3.41% | -3.51% | +684 bps | |
| Loan Growth (YoY) | -16.93% | -14.60% | -17.91% | -16.45% | -14.10% | -17.07% | -17.16% | -14.43% | +202 bps | |
| Share Growth (YoY) | -11.87% | -12.73% | -13.54% | -11.91% | -16.01% | -12.95% | -5.37% | -5.58% | +633 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 0.81% | 1.16% | 1.58% | 0.95% | 0.93% | 1.09% | 0.84% | -75 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 | 15.63% | 16.13% | 16.85% | 17.07% | 18.39% | 18.58% | 18.57% | 18.95% | +188 bps | |
| Net Worth / Assets | 15.63% | 16.13% | 16.85% | 17.07% | 18.39% | 18.58% | 18.57% | 18.95% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.68% | 44.90% | 43.74% | 43.31% | 44.67% | 42.78% | 38.29% | 39.26% | -406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Overland Park, KS · Charter 63598 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
Return on Assets
1.34%
Rank 5 of 28
Net Interest Margin
2.48%
Rank 26 of 28
Efficiency Ratio
72.95%
Rank 11 of 28
Equity / Assets
18.95%
Rank 6 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.31% | 0.62% | 1.15% | Beats 82% | 5 / 28 | ||
| Return on Equity | 7.06% | 3.10% | 5.79% | 7.32% | Beats 70% | 8 / 27 | ||
| Net Interest Margin | 2.48% | 3.95% | 4.17% | 4.96% | Beats 7% | 26 / 28 | ||
| Efficiency Ratio | 72.95% | 71.31% | 75.97% | 85.82% | Beats 64% | 11 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.40% | 0.84% | 1.90% | Beats 50% | 15 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.95% | 9.27% | 11.97% | 17.47% | Beats 79% | 6 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.95% | 9.27% | 11.97% | 17.47% | Beats 79% | 6 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.26% | 47.88% | 66.90% | 83.14% | 11th pctl | 25 / 28 | ||
| Loans / Assets | 31.64% | 42.23% | 58.20% | 69.16% | 11th pctl | 25 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||