Hoisington, KS · Charter 66036
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 | 0.71% | 0.67% | 0.31% | 0.62% | 0.72% | 0.92% | 0.95% | 0.93% | +32 bps | |
| Return on Equity | 5.63% | 5.34% | 2.52% | 4.88% | 5.61% | 7.03% | 7.31% | 7.16% | +228 bps | |
| Net Interest Margin | 3.24% | 3.11% | 2.80% | 3.03% | 3.00% | 3.24% | 3.80% | 3.59% | +57 bps | |
| Efficiency Ratio | 74.06% | 74.57% | 85.82% | 76.92% | 73.41% | 69.30% | 72.99% | 71.85% | -506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | 5.72% | 5.51% | 4.58% | 4.80% | 2.98% | 4.59% | 5.37% | +79 bps | |
| Loan Growth (YoY) | 49.72% | 59.83% | 56.83% | 0.53% | 22.06% | 20.41% | 27.24% | 16.46% | +1,593 bps | |
| Share Growth (YoY) | 4.82% | 5.72% | 5.57% | 4.58% | 4.66% | 2.29% | 3.94% | 4.64% | +6 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.59% | 0.41% | 0.33% | 0.17% | 0.00% | 0.00% | 0.00% | 5.71% | +553 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 | 5.34% | 5.19% | 5.51% | 5.32% | 4.60% | 4.51% | 4.53% | 4.78% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.67% | 12.47% | 12.41% | 12.62% | 12.77% | 13.02% | 12.95% | 13.03% | +41 bps | |
| Net Worth / Assets | 12.67% | 12.47% | 12.41% | 12.62% | 12.77% | 13.02% | 12.95% | 13.03% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.20% | 40.82% | 38.48% | 40.25% | 46.88% | 48.05% | 47.11% | 44.79% | +455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |