City
Independence, MO · Charter 67924 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
$65.5MAssets
$38.1MLoans
$56.6MShares
$7.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 57% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 12 of 28).
- Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 22 of 28).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.62%
Rank 14 of 28
Net Interest Margin
4.28%
Rank 12 of 28
Efficiency Ratio
75.97%
Rank 15 of 28
Equity / Assets
11.93%
Rank 15 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.31% | 0.62% | 1.15% | Beats 50% | 14 / 28 | |
| Return on Equity | 5.19% | 3.10% | 5.79% | 7.32% | Beats 41% | 16 / 27 | |
| Net Interest Margin | 4.28% | 3.95% | 4.17% | 4.96% | Beats 57% | 12 / 28 | |
| Efficiency Ratio | 75.97% | 71.31% | 75.97% | 85.82% | Beats 50% | 15 / 28 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.90% | 0.40% | 0.84% | 1.90% | Beats 25% | 22 / 28 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.93% | 9.27% | 11.97% | 17.47% | Beats 46% | 15 / 28 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.93% | 9.27% | 11.97% | 17.47% | Beats 46% | 15 / 28 | |
| Liquidity & Funding |
| Loans / Deposits | 67.42% | 47.88% | 66.90% | 83.14% | 54th pctl | 13 / 28 | |
| Loans / Assets | 58.20% | 42.23% | 58.20% | 69.16% | 50th pctl | 14 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |