| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +9.9% | +0.7% | +9.2 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.7 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Q2 2024 | $11.1M | $8.8M | $5.7M | $2.3M | $46K | 0.83% | 3.04% | 0.52% | 1,214 |
| Ratio | 1St Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $140K · commercial $0 · consumer $4.8M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 81.5% | 61th |
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 |
|---|---|---|---|---|
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% |
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