Garden City, KS · Charter 7662
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 | 0.58% | 0.48% | 0.17% | 0.30% | 0.45% | 0.18% | 0.09% | 0.50% | +20 bps | |
| Return on Equity | 6.70% | 5.75% | 2.10% | 3.47% | 5.15% | 2.24% | 1.10% | 6.01% | +255 bps | |
| Net Interest Margin | 4.24% | 4.03% | 4.10% | 4.36% | 4.44% | 4.11% | 4.29% | 4.51% | +16 bps | |
| Efficiency Ratio | 84.16% | 86.39% | 91.79% | 90.33% | 89.14% | 91.79% | 87.57% | 88.38% | -195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 0.75% | 2.08% | 3.88% | 3.40% | 7.15% | 7.46% | 6.93% | +305 bps | |
| Loan Growth (YoY) | -4.77% | -7.19% | -1.80% | 2.43% | 6.08% | 6.82% | 8.14% | 8.68% | +625 bps | |
| Share Growth (YoY) | 4.15% | 0.56% | 1.40% | 4.65% | 3.35% | 7.90% | 9.01% | 8.09% | +345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.56% | 0.15% | 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 | 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 | 8.63% | 8.27% | 8.27% | 8.58% | 8.72% | 7.86% | 7.82% | 8.28% | -30 bps | |
| Net Worth / Assets | 8.63% | 8.27% | 8.27% | 8.58% | 8.72% | 7.86% | 7.82% | 8.28% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.07% | 59.93% | 60.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |