Ellis, KS · Charter 67797
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
77
Asset Quality
100
Profitability
25
Liquidity
41
Efficiency
52
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.
Ellis, KS · Charter 67797
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.64% | 0.55% | 0.39% | 0.61% | -6 bps | |
| Return on Equity | 3.67% | 3.55% | 3.13% | 2.31% | 3.59% | -8 bps | |
| Net Interest Margin | 2.79% | 2.71% | 2.58% | 2.41% | 2.43% | -36 bps | |
| Efficiency Ratio | 77.90% | 78.30% | 80.52% | 85.84% | 77.53% | -36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.26% | 0.68% | 5.51% | 6.81% | 11.29% | +1,255 bps | |
| Loan Growth (YoY) | 10.85% | 3.72% | 4.54% | 2.32% | 0.53% | -1,031 bps | |
| Share Growth (YoY) | -2.27% | 0.21% | 6.02% | 7.52% | 13.12% | +1,539 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.15% | 4.30% | 4.17% | 4.04% | 4.13% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.41% | 18.14% | 17.53% | 17.01% | 17.07% | -134 bps | |
| Net Worth / Assets | 18.41% | 18.14% | 17.53% | 17.01% | 17.07% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.51% | 54.13% | 52.62% | 51.97% | 51.11% | -640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ellis, KS · Charter 67797 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.61%
Rank 1,003 of 1,683
Net Interest Margin
2.43%
Rank 1,627 of 1,683
Efficiency Ratio
77.63%
Rank 813 of 1,682
Equity / Assets
17.06%
Rank 385 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,003 / 1,683 | |
| Return on Equity | 3.55% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,143 / 1,681 | |
| Net Interest Margin | 2.43% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,627 / 1,683 | |
| Efficiency Ratio | 77.63% | 68.91% | 78.20% | 86.93% | Beats 52% | 813 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.06% | 10.44% | 12.89% | 16.53% | Beats 77% | 385 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.06% | 10.44% | 12.89% | 16.53% | Beats 77% | 385 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.12% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,296 / 1,683 | |
| Loans / Assets | 42.15% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,317 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||