Hutchinson, KS · Charter 67829
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
79
Asset Quality
41
Profitability
38
Liquidity
37
Efficiency
15
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.
Hutchinson, KS · Charter 67829
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 | 0.75% | 0.66% | -0.13% | -0.18% | 0.00% | -0.17% | 0.69% | -0.33% | -14 bps | |
| Return on Equity | 4.31% | 3.61% | -0.75% | -1.04% | -0.02% | -0.94% | 3.72% | -1.87% | -83 bps | |
| Net Interest Margin | 5.59% | 5.86% | 5.54% | 5.90% | 6.04% | 6.35% | 6.80% | 6.46% | +56 bps | |
| Efficiency Ratio | 88.18% | 89.87% | 94.73% | 95.93% | 89.00% | 89.93% | 87.43% | 91.26% | -467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.77% | 3.09% | 3.77% | -0.27% | -1.68% | -1.04% | -9.32% | -0.32% | -5 bps | |
| Loan Growth (YoY) | 4.15% | -3.37% | -6.38% | -3.60% | 0.19% | -0.19% | 4.41% | -0.35% | +325 bps | |
| Share Growth (YoY) | 15.92% | 2.70% | 3.56% | -1.08% | -2.17% | -1.01% | -11.23% | -0.02% | +106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.75% | 1.39% | 1.79% | 1.87% | 1.10% | 0.73% | 0.85% | -94 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% | 0.47% | 0.63% | 0.74% | 0.94% | 0.86% | 1.01% | 0.96% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.50% | 18.16% | 16.87% | 17.78% | 17.87% | 18.18% | 18.64% | 17.60% | -18 bps | |
| Net Worth / Assets | 17.50% | 18.16% | 16.87% | 17.78% | 17.87% | 18.18% | 18.64% | 17.60% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.17% | 89.66% | 77.58% | 83.98% | 87.22% | 90.40% | 91.26% | 83.70% | -28 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hutchinson, KS · Charter 67829 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.31%
Rank 1,552 of 1,683
Net Interest Margin
6.42%
Rank 23 of 1,683
Efficiency Ratio
91.63%
Rank 1,428 of 1,682
Equity / Assets
17.60%
Rank 352 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.31% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,552 / 1,683 | ||
| Return on Equity | -1.76% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,544 / 1,681 | ||
| Net Interest Margin | 6.42% | 3.31% | 3.82% | 4.32% | Beats 99% | 23 / 1,683 | ||
| Efficiency Ratio | 91.63% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,428 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 991 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.61% | 10.44% | 12.89% | 16.53% | Beats 79% | 352 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.60% | 10.44% | 12.89% | 16.53% | Beats 79% | 352 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.70% | 52.61% | 69.38% | 83.50% | 75th pctl | 416 / 1,683 | ||
| Loans / Assets | 68.52% | 44.71% | 59.18% | 70.72% | 71st pctl | 495 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||