Envista Federal Credit Union
Total assets
$686.1M
▲ +5.8% YoY
Shares & deposits
$582.2M
▲ +6.8% YoY
Loans
$522.4M
▲ +8.5% YoY
Members
49,003
▲ +1.8% YoY
ROA (annualized)
0.65%
peers 0.62%
ROE (annualized)
6.18%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.8% | +1.1 pts |
| Share growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +8.5% | +4.3% | +4.1 pts |
| ROA | 0.65% | 0.62% | +0.0 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3626 Sw Wanamaker Rd, Topeka, KS, 66614
- NCUA charter #
- 24945
- RSSD ID
- 425498
- 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 | $686.1M | $582.2M | $522.4M | $72.1M | $1.1M | 0.65% | 3.63% | 0.30% | 49,003 |
| Q4 2025 | $654.7M | $553.3M | $523.2M | $71.0M | $5.4M | 0.82% | 3.70% | 0.37% | 48,948 |
| Q3 2025 | $656.1M | $551.5M | $513.4M | $70.1M | $3.9M | 0.79% | 3.63% | 0.39% | 48,854 |
| Q2 2025 | $647.1M | $546.0M | $500.9M | $68.5M | $2.3M | 0.72% | 3.57% | 0.41% | 48,598 |
| Q1 2025 | $648.3M | $545.3M | $481.6M | $67.2M | $964K | 0.59% | 3.43% | 0.70% | 48,138 |
| Q4 2024 | $616.9M | $517.6M | $482.5M | $66.2M | $4.6M | 0.75% | 3.38% | 0.71% | 47,933 |
| Q3 2024 | $605.6M | $502.8M | $480.7M | $66.8M | $3.8M | 0.84% | 3.46% | 0.50% | 47,466 |
| Q2 2024 | $595.4M | $497.0M | $474.5M | $65.5M | $2.5M | 0.84% | 3.44% | 0.38% | 47,296 |
Loan mix (Q1 2026): real estate $154.9M · commercial $42.4M · consumer $318.1M · securities $40.4M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.62% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.48% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 78.3% | 72th | |
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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