Kansas City, MO · Charter 64777
NCUA · 3 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.31% | -0.06% | 0.22% | 0.40% | 0.09% | -0.21% | -45.52% | -4,573 bps | |
| Return on Equity | 3.42% | 2.99% | -0.53% | 1.84% | 3.40% | 0.76% | -1.65% | -565% | -56,674 bps | |
| Net Interest Margin | 4.94% | 5.10% | 5.53% | 5.44% | 5.35% | 5.42% | 5.66% | -2.08% | -752 bps | |
| Efficiency Ratio | 92.07% | 93.22% | 100.51% | 85.33% | 87.14% | 94.64% | 100.85% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.58% | -15.14% | -16.18% | -17.47% | -15.71% | -15.62% | -14.59% | -40.94% | -2,347 bps | |
| Loan Growth (YoY) | -24.50% | -27.49% | -25.24% | -23.70% | -13.40% | -14.68% | -21.04% | -24.42% | -72 bps | |
| Share Growth (YoY) | -12.69% | -15.47% | -17.71% | -19.06% | -17.24% | -17.00% | -16.08% | -38.93% | -1,987 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.31% | 1.61% | 0.36% | 1.31% | 2.82% | 4.50% | 0.00% | -36 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 | 1.48% | 1.57% | 1.67% | 2.11% | 1.66% | 1.79% | 2.05% | 5.00% | +289 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.97% | 10.38% | 10.93% | 11.72% | 11.76% | 12.04% | 12.59% | 8.06% | -367 bps | |
| Net Worth / Assets | 9.97% | 10.38% | 10.93% | 11.72% | 11.76% | 12.04% | 12.59% | 8.06% | -367 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.90% | 54.78% | 56.09% | 55.47% | 58.49% | 56.31% | 52.77% | 68.64% | +1,317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |