Salina, KS · Charter 67799
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 | 0.81% | 0.50% | 0.90% | 0.88% | 0.76% | 0.64% | 0.31% | 0.65% | -23 bps | |
| Return on Equity | 2.93% | 1.78% | 3.20% | 3.13% | 2.71% | 2.30% | 1.09% | 2.25% | -88 bps | |
| Net Interest Margin | 4.17% | 4.37% | 4.41% | 4.52% | 4.58% | 4.57% | 4.59% | 4.77% | +25 bps | |
| Efficiency Ratio | 41.92% | 44.17% | 46.66% | 44.32% | 44.25% | 45.45% | 43.81% | 45.85% | +153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.01% | 6.11% | 3.87% | 1.59% | 0.13% | 3.78% | -0.31% | -1.00% | -259 bps | |
| Loan Growth (YoY) | 10.39% | 7.02% | 7.68% | 2.47% | -2.20% | -3.69% | -9.67% | -15.31% | -1,778 bps | |
| Share Growth (YoY) | 17.29% | 7.74% | 4.75% | 1.63% | -0.28% | 4.52% | -1.04% | -1.95% | -357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.05% | 4.27% | 3.78% | 3.65% | 3.72% | 3.49% | 2.03% | 3.62% | -3 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.59% | 28.21% | 28.00% | 28.19% | 28.00% | 27.83% | 28.60% | 29.02% | +83 bps | |
| Net Worth / Assets | 27.59% | 28.21% | 28.00% | 28.19% | 28.00% | 27.83% | 28.60% | 29.02% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.41% | 115.22% | 114.83% | 115.42% | 110.26% | 106.17% | 104.82% | 99.69% | -1,573 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |