PackageTrendsPeer
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Quantum

Wichita, KS · Charter 67187

NCUA · 4 branches

Q2 2026

$143.0MAssets
$110.2MLoans
$124.7MShares
$16.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.11%, up 68 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.40% of loans (+16 bps YoY).
  • Capital: net worth / assets of 11.39%, up 100 bps from a year ago.
  • Funding: loans stand at 88.36% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+68 bps YoY

Net Interest Margin (YTD, annualized)

4.54%+34 bps YoY

Efficiency Ratio (YTD, annualized)

75.89%-796 bps YoY

Net Worth / Assets

11.39%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.63%0.74%1.00%1.11%+68 bps
Return on Equity4.11%5.67%6.53%8.86%9.76%+565 bps
Net Interest Margin4.20%4.54%4.64%4.52%4.54%+34 bps
Efficiency Ratio83.85%82.50%81.17%75.24%75.89%-796 bps
Growth
Asset Growth (YoY)-6.70%-7.99%-7.12%-2.48%0.24%+694 bps
Loan Growth (YoY)-3.14%-3.05%-2.91%-2.73%-0.90%+224 bps
Share Growth (YoY)-3.88%-5.91%-4.87%-3.59%-1.00%+288 bps
Asset Quality
Delinquent Loans / Loans0.24%0.39%0.54%0.24%0.40%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.39%11.13%11.34%11.27%11.39%+100 bps
Net Worth / Assets10.39%11.13%11.34%11.27%11.39%+100 bps
Liquidity & Funding
Loans / Shares88.26%92.02%91.52%87.91%88.36%+9 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps