Central Kansas Education Credit Union
Total assets
$6.0M
▲ +12.2% YoY
Shares & deposits
$5.2M
▲ +13.8% YoY
Loans
$4.6M
▲ +18.9% YoY
Members
790
▲ +0.5% YoY
ROA (annualized)
0.85%
peers 0.60%
ROE (annualized)
6.43%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +1.3% | +10.9 pts |
| Share growth (YoY) | +13.8% | +0.7% | +13.2 pts |
| Loan growth (YoY) | +18.9% | -2.4% | +21.3 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
Profile
- Established
- 1960
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 1101 S Ohio St. Ste D, Salina, KS, 67401
- NCUA charter #
- 61765
- RSSD ID
- 70496
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $5.2M | $4.6M | $796K | $13K | 0.85% | 3.23% | 0.00% | 790 |
| Q4 2025 | $5.6M | $4.7M | $4.7M | $784K | $19K | 0.34% | 3.14% | 0.55% | 796 |
| Q3 2025 | $5.6M | $4.7M | $4.5M | $790K | $30K | 0.72% | 3.26% | 0.30% | 792 |
| Q2 2025 | $5.4M | $4.6M | $4.2M | $780K | $22K | 0.80% | 3.27% | 0.24% | 785 |
| Q1 2025 | $5.4M | $4.5M | $3.9M | $769K | $10K | 0.77% | 3.36% | 0.37% | 786 |
| Q4 2024 | $5.2M | $4.4M | $3.9M | $758K | $12K | 0.23% | 3.26% | 0.06% | 784 |
| Q3 2024 | $5.1M | $4.3M | $3.9M | $759K | $13K | 0.35% | 3.31% | 0.00% | 816 |
| Q2 2024 | $4.9M | $4.1M | $3.8M | $753K | $7K | 0.28% | 3.10% | 0.07% | 821 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.6M · securities $663K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 81.5% | — | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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