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 | |