Clay Center, KS · Charter 67783
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
43
Asset Quality
59
Profitability
42
Liquidity
82
Efficiency
45
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.
Clay Center, KS · Charter 67783
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 | -0.51% | -0.38% | -1.90% | -0.18% | 0.07% | 0.09% | -0.43% | 0.13% | +31 bps | |
| Return on Equity | -3.62% | -2.78% | -16.17% | -1.53% | 0.52% | 0.69% | -3.55% | 1.06% | +258 bps | |
| Net Interest Margin | 5.51% | 5.27% | 4.80% | 5.47% | 5.80% | 5.69% | 5.40% | 5.52% | +5 bps | |
| Efficiency Ratio | 102.13% | 101.17% | 83.33% | 78.69% | 81.29% | 82.03% | 76.63% | 79.62% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.74% | 1.08% | 13.41% | 14.43% | 8.20% | 5.80% | 0.55% | -0.24% | -1,467 bps | |
| Loan Growth (YoY) | -18.07% | -10.21% | 1.43% | 5.74% | 4.33% | 2.55% | -2.26% | -5.72% | -1,146 bps | |
| Share Growth (YoY) | -6.42% | 1.58% | 17.20% | 17.79% | 9.78% | 6.85% | 0.05% | -0.68% | -1,846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.20% | 1.95% | 0.05% | 0.72% | 2.90% | 2.73% | 0.51% | +47 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 | 0.43% | -0.13% | 0.92% | 0.96% | 1.11% | 1.34% | 1.91% | 1.18% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.98% | 13.49% | 11.78% | 12.01% | 12.97% | 12.84% | 12.17% | 12.28% | +27 bps | |
| Net Worth / Assets | 13.98% | 13.49% | 11.78% | 12.01% | 12.97% | 12.84% | 12.17% | 12.28% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.24% | 85.37% | 76.87% | 77.34% | 81.95% | 81.93% | 75.10% | 73.41% | -393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clay Center, KS · Charter 67783 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.14%
Rank 1,423 of 1,683
Net Interest Margin
5.53%
Rank 65 of 1,683
Efficiency Ratio
79.70%
Rank 923 of 1,682
Equity / Assets
12.29%
Rank 952 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,423 / 1,683 | ||
| Return on Equity | 1.13% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,414 / 1,681 | ||
| Net Interest Margin | 5.53% | 3.31% | 3.82% | 4.32% | Beats 96% | 65 / 1,683 | ||
| Efficiency Ratio | 79.70% | 68.91% | 78.20% | 86.93% | Beats 45% | 923 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 59% | 695 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.29% | 10.44% | 12.89% | 16.53% | Beats 43% | 952 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.29% | 10.44% | 12.89% | 16.53% | Beats 43% | 952 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.40% | 52.61% | 69.38% | 83.50% | 58th pctl | 714 / 1,683 | ||
| Loans / Assets | 64.26% | 44.71% | 59.18% | 70.72% | 61st pctl | 651 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||