Kansas City, MO · Charter 64690
NCUA · 4 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
43
Asset Quality
11
Profitability
36
Liquidity
17
Efficiency
39
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 64690
NCUA · 4 branches
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 | 0.60% | 0.25% | 0.35% | 0.58% | 0.69% | 1.11% | 0.13% | 0.14% | -45 bps | |
| Return on Equity | 5.14% | 2.15% | 3.18% | 5.24% | 6.11% | 9.52% | 1.13% | 1.15% | -409 bps | |
| Net Interest Margin | 7.19% | 7.22% | 6.72% | 6.62% | 6.48% | 6.35% | 5.86% | 6.03% | -59 bps | |
| Efficiency Ratio | 69.60% | 70.57% | 91.79% | 81.78% | 81.72% | 77.78% | 82.27% | 82.95% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.46% | 3.23% | 5.36% | 0.73% | 3.73% | 5.55% | 5.72% | 2.43% | +170 bps | |
| Loan Growth (YoY) | 5.08% | 0.20% | -3.17% | -4.05% | -4.36% | -5.38% | -3.68% | -2.63% | +142 bps | |
| Share Growth (YoY) | -0.05% | 5.25% | 6.21% | 3.77% | 6.79% | 5.46% | 8.30% | 3.92% | +15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.21% | 3.42% | 2.60% | 2.53% | 2.72% | 3.02% | 2.16% | 3.01% | +48 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 | 11.60% | 11.43% | 11.12% | 11.15% | 11.27% | 11.71% | 11.35% | 11.77% | +62 bps | |
| Net Worth / Assets | 11.60% | 11.43% | 11.12% | 11.15% | 11.27% | 11.71% | 11.35% | 11.77% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.27% | 105.70% | 99.32% | 97.77% | 95.17% | 94.83% | 88.34% | 91.60% | -616 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 64690 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 4 branches
Q2 2026
Return on Assets
0.14%
Rank 25 of 28
Net Interest Margin
6.03%
Rank 3 of 28
Efficiency Ratio
82.98%
Rank 18 of 28
Equity / Assets
11.77%
Rank 16 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.31% | 0.62% | 1.15% | Beats 11% | 25 / 28 | ||
| Return on Equity | 1.16% | 3.10% | 5.79% | 7.32% | Beats 7% | 25 / 27 | ||
| Net Interest Margin | 6.03% | 3.95% | 4.17% | 4.96% | Beats 89% | 3 / 28 | ||
| Efficiency Ratio | 82.98% | 71.31% | 75.97% | 85.82% | Beats 39% | 18 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.01% | 0.40% | 0.84% | 1.90% | Beats 11% | 26 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.77% | 9.27% | 11.97% | 17.47% | Beats 43% | 16 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.77% | 9.27% | 11.97% | 17.47% | Beats 43% | 16 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.60% | 47.88% | 66.90% | 83.14% | 82nd pctl | 5 / 28 | ||
| Loans / Assets | 69.51% | 42.23% | 58.20% | 69.16% | 79th pctl | 6 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||