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Kansas Teachers Community

Pittsburg, KS · Charter 67995

NCUA · 5 branches

Q2 2026

$125.3MAssets
$66.3MLoans
$106.1MShares
$19.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.36%, up 11 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 1.24% of loans (-8 bps YoY).
  • Capital: net worth / assets of 15.27%, up 135 bps from a year ago.
  • Funding: loans stand at 62.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.36%+11 bps YoY

Net Interest Margin (quarter, annualized)

4.16%+28 bps YoY

Efficiency Ratio (quarter, annualized)

67.51%+167 bps YoY

Net Worth / Assets

15.27%+135 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.34%1.27%1.30%1.36%+11 bps
Return on Equity9.01%9.23%8.46%8.76%8.90%-11 bps
Net Interest Margin3.88%4.00%4.11%4.04%4.16%+28 bps
Efficiency Ratio65.84%64.50%64.45%68.39%67.51%+167 bps
Growth
Asset Growth (YoY)1.92%0.83%-0.12%-0.78%-0.49%-241 bps
Loan Growth (YoY)-14.77%-10.63%-6.25%-1.78%6.77%+2,154 bps
Share Growth (YoY)0.86%-0.54%-2.33%-2.59%-2.20%-306 bps
Asset Quality
Delinquent Loans / Loans1.32%1.91%1.30%0.79%1.24%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.91%14.53%15.02%14.89%15.27%+135 bps
Net Worth / Assets13.91%14.53%15.02%14.89%15.27%+135 bps
Liquidity & Funding
Loans / Shares57.21%57.82%59.11%58.31%62.46%+525 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps