Kansas City, KS · Charter 8216
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 in the Kansas City, MO-KS area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
7
Profitability
84
Liquidity
0
Efficiency
86
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.
Kansas City, KS · Charter 8216
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 | 2.42% | 2.46% | 2.56% | 2.91% | 2.68% | 3.33% | 2.98% | 3.55% | +64 bps | |
| Return on Equity | 4.92% | 4.94% | 6.01% | 6.71% | 6.06% | 7.38% | 6.46% | 6.33% | -38 bps | |
| Net Interest Margin | 6.50% | 7.07% | 5.94% | 7.28% | 7.53% | 7.78% | 6.85% | 11.26% | +398 bps | |
| Efficiency Ratio | 59.31% | 61.14% | 57.49% | 50.70% | 58.45% | 53.06% | 56.98% | 63.07% | +1,237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | 8.02% | 18.08% | 18.70% | 18.14% | 18.93% | -0.10% | -16.83% | -3,553 bps | |
| Loan Growth (YoY) | 6.97% | 12.64% | 5.39% | 10.27% | 10.76% | 13.34% | 9.33% | 6.00% | -427 bps | |
| Share Growth (YoY) | 14.48% | 15.93% | 31.93% | 31.87% | 28.69% | 28.81% | -6.59% | -35.61% | -6,748 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.02% | 6.64% | 5.21% | 6.08% | 1.98% | 3.47% | 10.47% | 9.16% | +308 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 | 0.47% | 0.68% | 0.63% | 1.19% | 1.23% | 1.21% | 1.16% | 1.54% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 49.22% | 49.74% | 42.63% | 43.34% | 44.22% | 45.16% | 46.13% | 56.12% | +1,278 bps | |
| Net Worth / Assets | 49.22% | 49.74% | 42.63% | 43.34% | 44.22% | 45.16% | 46.13% | 56.12% | +1,278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 122.96% | 123.15% | 98.10% | 105.58% | 105.82% | 108.36% | 114.82% | 173.80% | +6,822 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, KS · Charter 8216 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
Return on Assets
3.51%
Rank 1 of 28
Net Interest Margin
11.31%
Rank 1 of 28
Efficiency Ratio
62.07%
Rank 5 of 28
Equity / Assets
56.14%
Rank 1 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.51% | 0.31% | 0.62% | 1.15% | Beats 96% | 1 / 28 | ||
| Return on Equity | 6.25% | 3.10% | 5.79% | 7.32% | Beats 59% | 11 / 27 | ||
| Net Interest Margin | 11.31% | 3.95% | 4.17% | 4.96% | Beats 96% | 1 / 28 | ||
| Efficiency Ratio | 62.07% | 71.31% | 75.97% | 85.82% | Beats 86% | 5 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 9.21% | 0.40% | 0.84% | 1.90% | Beats 7% | 27 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 56.14% | 9.27% | 11.97% | 17.47% | Beats 96% | 1 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 56.14% | 9.27% | 11.97% | 17.47% | Beats 96% | 1 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 173.78% | 47.88% | 66.90% | 83.14% | 96th pctl | 1 / 28 | ||
| Loans / Assets | 76.22% | 42.23% | 58.20% | 69.16% | 89th pctl | 3 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||