South Hutchinso, KS · Charter 65466
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
24
Profitability
40
Liquidity
43
Efficiency
13
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.
South Hutchinso, KS · Charter 65466
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 | 0.55% | 0.95% | 0.50% | 0.73% | 0.86% | 0.55% | -0.42% | 0.10% | -63 bps | |
| Return on Equity | 4.37% | 7.05% | 3.75% | 5.50% | 5.89% | 3.92% | -3.09% | 0.76% | -474 bps | |
| Net Interest Margin | 4.71% | 5.02% | 4.80% | 4.99% | 5.44% | 5.21% | 5.22% | 5.05% | +6 bps | |
| Efficiency Ratio | 88.23% | 83.91% | 89.21% | 85.50% | 84.77% | 87.19% | 99.65% | 92.60% | +710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.46% | -2.71% | -0.08% | 0.53% | -5.79% | 0.24% | -1.47% | -0.30% | -83 bps | |
| Loan Growth (YoY) | 1.45% | -4.16% | -12.17% | -3.22% | -5.38% | -7.15% | 3.23% | 0.36% | +357 bps | |
| Share Growth (YoY) | -3.74% | -0.02% | -1.60% | -2.30% | -7.83% | 1.05% | -1.78% | 0.39% | +269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.32% | 1.46% | 2.46% | 0.93% | 0.47% | 0.62% | 1.33% | -113 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 | 1.80% | 1.80% | 1.87% | 1.91% | 1.45% | 0.77% | 0.89% | 1.01% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.63% | 13.49% | 13.23% | 13.32% | 14.60% | 14.01% | 13.74% | 13.58% | +25 bps | |
| Net Worth / Assets | 12.63% | 13.49% | 13.23% | 13.32% | 14.60% | 14.01% | 13.74% | 13.58% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.29% | 88.47% | 80.08% | 82.31% | 86.53% | 81.29% | 84.17% | 82.28% | -3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Hutchinso, KS · Charter 65466 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.11%
Rank 1,440 of 1,683
Net Interest Margin
5.02%
Rank 139 of 1,683
Efficiency Ratio
92.96%
Rank 1,458 of 1,682
Equity / Assets
13.58%
Rank 736 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.11% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,440 / 1,683 | ||
| Return on Equity | 0.81% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,442 / 1,681 | ||
| Net Interest Margin | 5.02% | 3.31% | 3.82% | 4.32% | Beats 92% | 139 / 1,683 | ||
| Efficiency Ratio | 92.96% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,458 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,279 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.58% | 10.44% | 12.89% | 16.53% | Beats 56% | 736 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.58% | 10.44% | 12.89% | 16.53% | Beats 56% | 736 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.27% | 52.61% | 69.38% | 83.50% | 74th pctl | 442 / 1,683 | ||
| Loans / Assets | 70.36% | 44.71% | 59.18% | 70.72% | 74th pctl | 435 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||