Hutchinson, KS · Charter 68547
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
78
Asset Quality
2
Profitability
40
Liquidity
0
Efficiency
44
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 68547
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 | 1.80% | 1.26% | 0.33% | 0.32% | 1.73% | 1.50% | 3.69% | 0.82% | +51 bps | |
| Return on Equity | 10.98% | 7.63% | 2.02% | 1.84% | 9.77% | 8.48% | 20.66% | 4.69% | +285 bps | |
| Net Interest Margin | 3.74% | 3.75% | 3.10% | 3.08% | 3.31% | 3.26% | 2.94% | 2.93% | -15 bps | |
| Efficiency Ratio | 64.36% | 69.47% | 90.25% | 90.81% | 63.74% | 66.43% | 43.84% | 82.99% | -783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 3.86% | 2.32% | -1.44% | -0.54% | 2.39% | 0.16% | 3.56% | +501 bps | |
| Loan Growth (YoY) | -3.95% | -27.96% | -54.52% | -28.70% | 25.46% | 29.17% | 78.47% | 40.49% | +6,920 bps | |
| Share Growth (YoY) | 1.20% | 0.97% | -1.45% | -2.13% | -1.10% | 2.07% | -0.60% | 4.18% | +631 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.29% | 9.53% | 6.89% | 0.00% | 0.00% | 7.15% | 5.35% | 7.93% | +793 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 | 14.67% | 20.03% | 17.93% | 19.02% | 12.09% | 19.33% | 17.29% | 18.08% | -94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.39% | 16.53% | 16.42% | 17.20% | 17.67% | 17.64% | 17.87% | 17.52% | +33 bps | |
| Net Worth / Assets | 16.39% | 16.53% | 16.42% | 17.20% | 17.67% | 17.64% | 17.87% | 17.52% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.47% | 12.77% | 10.16% | 12.28% | 19.62% | 16.15% | 18.24% | 16.56% | +428 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 68547 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 622 of 1,683
Net Interest Margin
2.88%
Rank 1,509 of 1,683
Efficiency Ratio
80.00%
Rank 936 of 1,682
Equity / Assets
17.31%
Rank 373 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 622 / 1,683 | ||
| Return on Equity | 5.56% | 2.67% | 5.89% | 8.74% | Beats 47% | 890 / 1,681 | ||
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,509 / 1,683 | ||
| Efficiency Ratio | 80.00% | 68.91% | 78.20% | 86.93% | Beats 44% | 936 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 7.14% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,656 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.31% | 10.44% | 12.89% | 16.53% | Beats 78% | 373 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.31% | 10.44% | 12.89% | 16.53% | Beats 78% | 373 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 16.28% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,661 / 1,683 | ||
| Loans / Assets | 13.46% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,660 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||