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 | |