| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +8.2% | +0.9% | +7.3 pts |
| Loan growth (YoY) | -5.2% | -2.6% | -2.6 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.2M | $9.7M | $5.0M | $2.4M | $39K | 0.64% | 3.12% | 0.41% | 1,053 |
| Q1 2026 | $12.2M | $9.8M | $5.1M | $2.4M | $14K | 0.46% | 2.84% | 0.74% | 1,091 |
| Q4 2025 | $11.8M | $9.4M | $5.1M | $2.4M | $71K | 0.60% | 2.77% | 0.67% | 1,122 |
| Q3 2025 | $11.5M | $9.1M | $5.1M | $2.4M | $82K | 0.95% | 3.03% | 0.03% | 1,132 |
| Q2 2025 | $11.4M | $9.0M | $5.2M | $2.4M | $53K | 0.94% | 3.12% | 1.41% | 1,144 |
| Q1 2025 | $11.3M | $8.9M | $5.2M | $2.4M | $28K | 1.00% | 3.19% | 0.83% | 1,143 |
| Q4 2024 | $11.0M | $8.7M | $5.4M | $2.3M | $46K | 0.41% | 2.69% | 0.72% | 1,167 |
| Q3 2024 | $11.3M | $8.9M | $5.6M | $2.4M | $89K | 1.05% | 3.14% | 0.00% | 1,194 |
| Ratio | 1St Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $11.1M | $8.8M | $5.7M | $2.3M | $46K | 0.83% | 3.04% | 0.52% | 1,214 |
Loan mix (Q2 2026): real estate $137K · commercial $0 · consumer $4.7M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 80.6% | 51st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | 1St Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | 1St Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | 1St Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | 1St Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | 1St Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Shawnee, KS, ranked 21st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shawnee, KS | 2 | $9.7M* | 0.14% | 21st |
Kansas: 284th with 0.01% · Topeka metro: 34th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2