Garden City Teachers
Garden City, KS · Charter 7662 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$15.7MAssets
$9.3MLoans
$14.4MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 81% of credit unions under $1B in assets (rank 324 of 1683).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1599 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.50%
Rank 1,142 of 1,683
Net Interest Margin
4.51%
Rank 324 of 1,683
Efficiency Ratio
88.43%
Rank 1,320 of 1,682
Equity / Assets
8.28%
Rank 1,599 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,142 / 1,683 | |
| Return on Equity | 5.99% | 2.67% | 5.89% | 8.74% | Beats 51% | 823 / 1,681 | |
| Net Interest Margin | 4.51% | 3.31% | 3.82% | 4.32% | Beats 81% | 324 / 1,683 | |
| Efficiency Ratio | 88.43% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,320 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 858 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.28% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,599 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.28% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,599 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 64.71% | 52.61% | 69.38% | 83.50% | 42nd pctl | 983 / 1,683 | |
| Loans / Assets | 59.18% | 44.71% | 59.18% | 70.72% | 50th pctl | 842 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |