C & R
Clay Center, KS · Charter 67783 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.3MAssets
$2.8MLoans
$3.8MShares
$529KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets (rank 65 of 1683).
- Widest gap: return on assets trails 85% of credit unions under $1B in assets (rank 1423 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 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 |