Goessel, KS · Charter 68557
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
88
Asset Quality
2
Profitability
77
Liquidity
87
Efficiency
93
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.
Goessel, KS · Charter 68557
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 | 1.62% | 0.47% | 2.45% | 2.55% | 0.67% | 1.68% | 1.38% | 1.60% | -95 bps | |
| Return on Equity | 8.04% | 2.32% | 12.26% | 12.28% | 3.15% | 7.76% | 6.64% | 7.68% | -461 bps | |
| Net Interest Margin | 5.15% | 5.05% | 4.79% | 4.63% | 4.58% | 4.58% | 4.25% | 4.31% | -32 bps | |
| Efficiency Ratio | 48.12% | 49.44% | 57.97% | 59.42% | 58.54% | 60.65% | 56.88% | 55.28% | -414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.64% | -2.21% | 5.40% | 4.17% | 6.04% | 2.72% | 2.94% | 5.62% | +146 bps | |
| Loan Growth (YoY) | 5.57% | 0.02% | -1.59% | -9.98% | -6.97% | -11.08% | -11.09% | 3.69% | +1,367 bps | |
| Share Growth (YoY) | -9.08% | -4.41% | 3.65% | 2.83% | 4.70% | 0.77% | 1.78% | 4.32% | +148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.38% | 2.34% | 5.38% | 2.49% | 3.26% | 4.26% | 4.17% | 6.32% | +383 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.19% | 20.45% | 20.01% | 20.77% | 21.31% | 21.58% | 20.78% | 20.81% | +4 bps | |
| Net Worth / Assets | 20.19% | 20.45% | 20.01% | 20.77% | 21.31% | 21.58% | 20.78% | 20.81% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.69% | 83.28% | 77.23% | 72.72% | 75.25% | 73.48% | 67.46% | 72.28% | -43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Goessel, KS · Charter 68557 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.59%
Rank 203 of 1,683
Net Interest Margin
4.32%
Rank 421 of 1,683
Efficiency Ratio
55.14%
Rank 115 of 1,682
Equity / Assets
20.81%
Rank 194 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 0.35% | 0.74% | 1.18% | Beats 88% | 203 / 1,683 | ||
| Return on Equity | 7.66% | 2.67% | 5.89% | 8.74% | Beats 67% | 563 / 1,681 | ||
| Net Interest Margin | 4.32% | 3.31% | 3.82% | 4.32% | Beats 75% | 421 / 1,683 | ||
| Efficiency Ratio | 55.14% | 68.91% | 78.20% | 86.93% | Beats 93% | 115 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.31% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,649 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.81% | 10.44% | 12.89% | 16.53% | Beats 88% | 194 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.81% | 10.44% | 12.89% | 16.53% | Beats 88% | 194 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.29% | 52.61% | 69.38% | 83.50% | 55th pctl | 749 / 1,683 | ||
| Loans / Assets | 56.18% | 44.71% | 59.18% | 70.72% | 44th pctl | 949 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||