PackageTrendsPeer
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Sunflower Community

Marysville, KS · Charter 7610

NCUA · 1 branch

Q2 2026

$33.1MAssets
$22.6MLoans
$30.4MShares
$2.7MNet 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 0.86%, up 2 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 3.45% of loans (+103 bps YoY).
  • Capital: net worth / assets of 8.24%, up 45 bps from a year ago.
  • Funding: loans stand at 74.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+29 bps YoY

Efficiency Ratio (YTD, annualized)

72.64%-237 bps YoY

Net Worth / Assets

8.24%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.85%0.89%0.73%0.86%+2 bps
Return on Equity10.79%10.46%11.00%8.94%10.44%-35 bps
Net Interest Margin3.88%4.03%4.01%4.15%4.17%+29 bps
Efficiency Ratio75.02%74.05%73.42%75.47%72.64%-237 bps
Growth
Asset Growth (YoY)9.12%4.45%4.43%2.67%4.59%-452 bps
Loan Growth (YoY)1.02%3.24%5.25%3.26%3.96%+294 bps
Share Growth (YoY)9.21%3.94%3.78%1.91%3.97%-525 bps
Asset Quality
Delinquent Loans / Loans2.42%2.42%3.33%3.98%3.45%+103 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 Capital7.79%8.14%8.10%8.20%8.24%+45 bps
Net Worth / Assets7.79%8.14%8.10%8.20%8.24%+45 bps
Liquidity & Funding
Loans / Shares74.54%77.78%77.62%76.32%74.54%-1 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps