Salina, KS · Charter 67800
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
1
Asset Quality
100
Profitability
33
Liquidity
88
Efficiency
2
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.
Salina, KS · Charter 67800
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 | -0.20% | -0.96% | -13.90% | -7.41% | -4.97% | -4.56% | -1.12% | -1.41% | +600 bps | |
| Return on Equity | -1.64% | -8.45% | -176.19% | -93.72% | -62.14% | -59.50% | -14.61% | -19.61% | +7,412 bps | |
| Net Interest Margin | 5.48% | 5.60% | 5.75% | 5.65% | 5.66% | 5.77% | 5.79% | 5.42% | -24 bps | |
| Efficiency Ratio | 98.01% | 96.81% | 111.29% | 107.37% | 102.28% | 110.68% | 113.29% | 120.68% | +1,331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.29% | -7.41% | -14.17% | -14.76% | -5.23% | -6.83% | -10.37% | -7.82% | +695 bps | |
| Loan Growth (YoY) | 39.15% | 28.99% | 29.19% | 16.42% | -2.20% | -14.13% | -19.21% | -24.46% | -4,088 bps | |
| Share Growth (YoY) | -6.96% | -7.33% | -11.74% | -12.28% | -0.98% | -2.90% | -10.12% | -7.08% | +520 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 3.07% | 0.00% | 0.00% | 0.00% | 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 | 0.43% | 0.76% | 1.77% | 1.75% | 1.95% | 2.30% | 2.52% | 2.84% | +109 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.91% | 11.39% | 7.89% | 7.91% | 8.00% | 7.66% | 7.67% | 7.20% | -71 bps | |
| Net Worth / Assets | 11.91% | 11.39% | 7.89% | 7.91% | 8.00% | 7.66% | 7.67% | 7.20% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.69% | 92.78% | 89.99% | 88.68% | 86.61% | 82.04% | 80.89% | 72.09% | -1,659 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salina, KS · Charter 67800 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.37%
Rank 1,631 of 1,683
Net Interest Margin
5.32%
Rank 94 of 1,683
Efficiency Ratio
124.32%
Rank 1,648 of 1,682
Equity / Assets
7.22%
Rank 1,659 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.37% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,631 / 1,683 | ||
| Return on Equity | -18.95% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,651 / 1,681 | ||
| Net Interest Margin | 5.32% | 3.31% | 3.82% | 4.32% | Beats 94% | 94 / 1,683 | ||
| Efficiency Ratio | 124.32% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,648 / 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 | 7.22% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,659 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.22% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,659 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.05% | 52.61% | 69.38% | 83.50% | 55th pctl | 759 / 1,683 | ||
| Loans / Assets | 66.84% | 44.71% | 59.18% | 70.72% | 66th pctl | 567 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||