Salina, KS · Charter 67800
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 | -7.41% | -4.97% | -4.56% | -1.12% | -1.41% | +600 bps | |
| Return on Equity | -93.72% | -62.14% | -59.50% | -14.61% | -19.61% | +7,412 bps | |
| Net Interest Margin | 5.65% | 5.66% | 5.77% | 5.79% | 5.42% | -24 bps | |
| Efficiency Ratio | 107.37% | 102.28% | 110.68% | 113.29% | 120.68% | +1,331 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.76% | -5.23% | -6.83% | -10.37% | -7.82% | +695 bps | |
| Loan Growth (YoY) | 16.42% | -2.20% | -14.13% | -19.21% | -24.46% | -4,088 bps | |
| Share Growth (YoY) | -12.28% | -0.98% | -2.90% | -10.12% | -7.08% | +520 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.75% | 1.95% | 2.30% | 2.52% | 2.84% | +109 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.91% | 8.00% | 7.66% | 7.67% | 7.20% | -71 bps | |
| Net Worth / Assets | 7.91% | 8.00% | 7.66% | 7.67% | 7.20% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |