Kansas City, MO · Charter 64690
NCUA · 4 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 | 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 | |