Kansas City, MO · Charter 64939
NCUA · 3 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
71
Asset Quality
39
Profitability
36
Liquidity
13
Efficiency
32
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 64939
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.77% | 0.80% | 0.41% | 0.22% | -45 bps | |
| Return on Equity | 4.07% | 4.60% | 4.58% | 2.40% | 1.27% | -280 bps | |
| Net Interest Margin | 4.83% | 4.89% | 5.06% | 5.01% | 5.07% | +24 bps | |
| Efficiency Ratio | 83.26% | 82.60% | 82.30% | 82.09% | 83.38% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.35% | 6.04% | 4.35% | -0.69% | -1.00% | -735 bps | |
| Loan Growth (YoY) | -14.33% | -15.18% | -8.93% | -4.31% | 6.75% | +2,108 bps | |
| Share Growth (YoY) | 6.95% | 5.79% | 4.03% | -1.15% | -1.75% | -870 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 1.04% | 1.10% | 1.10% | 1.09% | +31 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.48% | 16.68% | 17.43% | 17.10% | 17.20% | +72 bps | |
| Net Worth / Assets | 16.48% | 16.68% | 17.43% | 17.10% | 17.20% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.75% | 37.60% | 40.27% | 39.12% | 42.11% | +335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 64939 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 3 branches
Q2 2026
Return on Assets
0.21%
Rank 23 of 28
Net Interest Margin
5.07%
Rank 6 of 28
Efficiency Ratio
83.29%
Rank 20 of 28
Equity / Assets
17.20%
Rank 8 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.31% | 0.62% | 1.15% | Beats 18% | 23 / 28 | |
| Return on Equity | 1.22% | 3.10% | 5.79% | 7.32% | Beats 11% | 24 / 27 | |
| Net Interest Margin | 5.07% | 3.95% | 4.17% | 4.96% | Beats 79% | 6 / 28 | |
| Efficiency Ratio | 83.29% | 71.31% | 75.97% | 85.82% | Beats 32% | 20 / 28 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.09% | 0.40% | 0.84% | 1.90% | Beats 39% | 18 / 28 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.20% | 9.27% | 11.97% | 17.47% | Beats 71% | 8 / 28 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.20% | 9.27% | 11.97% | 17.47% | Beats 71% | 8 / 28 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.10% | 47.88% | 66.90% | 83.14% | 18th pctl | 23 / 28 | |
| Loans / Assets | 34.70% | 42.23% | 58.20% | 69.16% | 14th pctl | 24 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||