Kansas City, MO · Charter 64762
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
18
Asset Quality
14
Profitability
25
Liquidity
11
Efficiency
25
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 64762
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 | 0.29% | 0.36% | 0.39% | 0.64% | 0.43% | -0.40% | 0.33% | 0.36% | -28 bps | |
| Return on Equity | 3.27% | 4.06% | 4.31% | 6.93% | 4.70% | -4.41% | 3.85% | 4.04% | -289 bps | |
| Net Interest Margin | 3.24% | 3.15% | 2.84% | 2.94% | 2.82% | 2.80% | 2.81% | 2.99% | +5 bps | |
| Efficiency Ratio | 77.76% | 78.56% | 87.22% | 80.04% | 84.59% | 83.94% | 89.14% | 85.71% | +568 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.92% | -0.99% | -3.04% | -1.20% | 2.27% | 3.04% | 5.65% | 1.87% | +307 bps | |
| Loan Growth (YoY) | -2.27% | -5.71% | -10.86% | -6.32% | -6.29% | -6.42% | -0.66% | -7.53% | -121 bps | |
| Share Growth (YoY) | -1.51% | -1.57% | -3.65% | -1.93% | 2.16% | 3.04% | 6.28% | 2.19% | +412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.07% | 1.56% | 3.91% | 4.51% | 5.09% | 4.32% | 3.86% | 2.59% | -192 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 | 8.85% | 8.89% | 9.02% | 9.22% | 9.10% | 8.97% | 8.59% | 8.98% | -24 bps | |
| Net Worth / Assets | 8.85% | 8.89% | 9.02% | 9.22% | 9.10% | 8.97% | 8.59% | 8.98% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.42% | 46.79% | 45.60% | 45.90% | 45.33% | 42.50% | 42.62% | 41.54% | -437 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 64762 · 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
0.36%
Rank 20 of 28
Net Interest Margin
2.99%
Rank 24 of 28
Efficiency Ratio
85.82%
Rank 22 of 28
Equity / Assets
8.98%
Rank 23 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.31% | 0.62% | 1.15% | Beats 29% | 20 / 28 | ||
| Return on Equity | 4.04% | 3.10% | 5.79% | 7.32% | Beats 33% | 18 / 27 | ||
| Net Interest Margin | 2.99% | 3.95% | 4.17% | 4.96% | Beats 14% | 24 / 28 | ||
| Efficiency Ratio | 85.82% | 71.31% | 75.97% | 85.82% | Beats 25% | 22 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.60% | 0.40% | 0.84% | 1.90% | Beats 14% | 25 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.98% | 9.27% | 11.97% | 17.47% | Beats 18% | 23 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.98% | 9.27% | 11.97% | 17.47% | Beats 18% | 23 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.54% | 47.88% | 66.90% | 83.14% | 14th pctl | 24 / 28 | ||
| Loans / Assets | 37.69% | 42.23% | 58.20% | 69.16% | 18th pctl | 23 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||