Topeka, KS · Charter 67785
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
71
Asset Quality
89
Profitability
82
Liquidity
0
Efficiency
67
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.
Topeka, KS · Charter 67785
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 | 1.22% | 1.05% | 2.27% | 2.59% | 1.94% | 0.34% | 1.76% | 1.27% | -133 bps | |
| Return on Equity | 8.65% | 7.22% | 14.35% | 15.32% | 11.98% | 2.23% | 11.39% | 8.08% | -724 bps | |
| Net Interest Margin | 4.52% | 4.74% | 5.77% | 5.90% | 5.53% | 4.17% | 5.97% | 5.94% | +5 bps | |
| Efficiency Ratio | 77.92% | 75.74% | 68.36% | 64.58% | 71.42% | 89.94% | 65.80% | 72.70% | +812 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.42% | -5.33% | -10.10% | -10.30% | -3.84% | -2.32% | 3.86% | 6.38% | +1,668 bps | |
| Loan Growth (YoY) | -2.83% | -2.44% | -1.97% | 0.13% | -1.47% | -4.41% | -1.26% | -2.46% | -260 bps | |
| Share Growth (YoY) | -7.75% | -7.18% | -12.85% | -13.44% | -5.75% | -3.12% | 4.34% | 8.05% | +2,149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.00% | 0.00% | 0.06% | 0.53% | 0.00% | 0.00% | 0.05% | -1 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 | 1.08% | 1.04% | 1.03% | 1.05% | 1.08% | 0.82% | 0.99% | 1.17% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.08% | 14.57% | 15.79% | 16.92% | 16.21% | 15.26% | 15.43% | 15.66% | -127 bps | |
| Net Worth / Assets | 14.08% | 14.57% | 15.79% | 16.92% | 16.21% | 15.26% | 15.43% | 15.66% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.49% | 99.27% | 105.30% | 109.47% | 100.88% | 97.95% | 99.64% | 98.82% | -1,065 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Topeka, KS · Charter 67785 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.26%
Rank 368 of 1,683
Net Interest Margin
5.96%
Rank 43 of 1,683
Efficiency Ratio
72.40%
Rank 557 of 1,682
Equity / Assets
15.66%
Rank 480 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.35% | 0.74% | 1.18% | Beats 78% | 368 / 1,683 | ||
| Return on Equity | 8.06% | 2.67% | 5.89% | 8.74% | Beats 70% | 502 / 1,681 | ||
| Net Interest Margin | 5.96% | 3.31% | 3.82% | 4.32% | Beats 97% | 43 / 1,683 | ||
| Efficiency Ratio | 72.40% | 68.91% | 78.20% | 86.93% | Beats 67% | 557 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 89% | 189 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.66% | 10.44% | 12.89% | 16.53% | Beats 71% | 480 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.66% | 10.44% | 12.89% | 16.53% | Beats 71% | 480 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.82% | 52.61% | 69.38% | 83.50% | 96th pctl | 67 / 1,683 | ||
| Loans / Assets | 83.15% | 44.71% | 59.18% | 70.72% | 95th pctl | 76 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||