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 | |