Kansas City, MO · Charter 67664
NCUA · 39 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=426). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
30
Profitability
67
Liquidity
52
Efficiency
29
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 67664
NCUA · 39 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.73% | 0.57% | 0.56% | 0.71% | 0.16% | 0.80% | 0.91% | +35 bps | |
| Return on Equity | 6.89% | 7.85% | 6.10% | 5.91% | 6.86% | 1.59% | 7.86% | 8.80% | +289 bps | |
| Net Interest Margin | 3.11% | 2.88% | 2.90% | 2.94% | 3.23% | 3.36% | 3.43% | 3.48% | +54 bps | |
| Efficiency Ratio | 81.61% | 80.26% | 82.41% | 81.76% | 79.66% | 86.83% | 79.03% | 77.50% | -426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 11.71% | 15.12% | 16.16% | 6.20% | 0.42% | 0.33% | 0.34% | -1,581 bps | |
| Loan Growth (YoY) | 9.22% | 8.43% | 8.69% | 7.27% | 8.26% | 9.90% | 9.60% | 11.32% | +405 bps | |
| Share Growth (YoY) | -3.52% | 1.50% | 5.09% | 6.58% | 7.99% | 13.22% | 12.74% | 12.48% | +590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.05% | 0.92% | 0.58% | 0.64% | 0.71% | 0.66% | 0.89% | +32 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.15% | 9.32% | 9.33% | 9.42% | 10.28% | 9.90% | 10.16% | 10.34% | +92 bps | |
| Net Worth / Assets | 10.15% | 9.32% | 9.33% | 9.42% | 10.28% | 9.90% | 10.16% | 10.34% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.26% | 78.10% | 78.63% | 79.01% | 80.46% | 75.80% | 76.44% | 78.20% | -81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 67664 · Peer group: credit unions $1B-$10B in assets (n=426)
NCUA · 39 branches
Q3 2025
Return on Assets
0.91%
Rank 148 of 426
Net Interest Margin
3.48%
Rank 148 of 426
Efficiency Ratio
77.50%
Rank 303 of 426
Equity / Assets
10.34%
Rank 259 of 426
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.47% | 0.71% | 1.02% | Beats 65% | 148 / 426 | ||
| Return on Equity | 8.80% | 4.33% | 6.67% | 9.18% | Beats 72% | 118 / 426 | ||
| Net Interest Margin | 3.48% | 2.84% | 3.22% | 3.60% | Beats 65% | 148 / 426 | ||
| Efficiency Ratio | 77.50% | 65.37% | 72.95% | 78.95% | Beats 29% | 303 / 426 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.42% | 0.67% | 0.96% | Beats 30% | 301 / 426 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.34% | 9.74% | 10.78% | 12.42% | Beats 39% | 259 / 426 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.34% | 9.74% | 10.78% | 12.42% | Beats 39% | 259 / 426 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.20% | 77.61% | 89.51% | 96.25% | 26th pctl | 317 / 426 | ||
| Loans / Assets | 68.59% | 67.25% | 75.25% | 80.95% | 28th pctl | 305 / 426 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||