Ellis, KS · Charter 67797
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.48% | 0.42% | 0.68% | 0.64% | 0.55% | 0.39% | 0.61% | -6 bps | |
| Return on Equity | 3.34% | 2.70% | 2.39% | 3.67% | 3.55% | 3.13% | 2.31% | 3.59% | -8 bps | |
| Net Interest Margin | 2.49% | 2.50% | 2.67% | 2.79% | 2.71% | 2.58% | 2.41% | 2.43% | -36 bps | |
| Efficiency Ratio | 78.21% | 82.27% | 85.63% | 77.90% | 78.30% | 80.52% | 85.84% | 77.53% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -2.84% | 1.74% | -1.26% | 0.68% | 5.51% | 6.81% | 11.29% | +1,255 bps | |
| Loan Growth (YoY) | 5.50% | 8.11% | 12.29% | 10.85% | 3.72% | 4.54% | 2.32% | 0.53% | -1,031 bps | |
| Share Growth (YoY) | -4.52% | -4.11% | 1.48% | -2.27% | 0.21% | 6.02% | 7.52% | 13.12% | +1,539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.44% | 4.41% | 4.19% | 4.15% | 4.30% | 4.17% | 4.04% | 4.13% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.74% | 17.92% | 17.60% | 18.41% | 18.14% | 17.53% | 17.01% | 17.07% | -134 bps | |
| Net Worth / Assets | 17.74% | 17.92% | 17.60% | 18.41% | 18.14% | 17.53% | 17.01% | 17.07% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.29% | 53.36% | 54.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |