Garden City, KS · Charter 7662
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.45% | 0.18% | 0.09% | 0.50% | +20 bps | |
| Return on Equity | 3.47% | 5.15% | 2.24% | 1.10% | 6.01% | +255 bps | |
| Net Interest Margin | 4.36% | 4.44% | 4.11% | 4.29% | 4.51% | +16 bps | |
| Efficiency Ratio | 90.33% | 89.14% | 91.79% | 87.57% | 88.38% | -195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.88% | 3.40% | 7.15% | 7.46% | 6.93% | +305 bps | |
| Loan Growth (YoY) | 2.43% | 6.08% | 6.82% | 8.14% | 8.68% | +625 bps | |
| Share Growth (YoY) | 4.65% | 3.35% | 7.90% | 9.01% | 8.09% | +345 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.70% | 0.82% | 0.34% | 0.67% | +55 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.58% | 8.72% | 7.86% | 7.82% | 8.28% | -30 bps | |
| Net Worth / Assets | 8.58% | 8.72% | 7.86% | 7.82% | 8.28% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.37% | 66.79% | 59.32% | 60.03% | 64.72% | +35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |