Mid-Kansas Credit Union
Total assets
$83.7M
▲ +7.1% YoY
Shares & deposits
$77.8M
▲ +7.8% YoY
Loans
$56.9M
▼ -7.0% YoY
Members
3,841
▼ -9.0% YoY
ROA (annualized)
-5.07%
peers 0.60%
ROE (annualized)
-65.00%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +7.8% | +0.7% | +7.1 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.6 pts |
| ROA | -5.07% | 0.60% | -5.7 pts |
| ROE | -65.0% | 4.1% | -69.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
Profile
- Established
- 1972
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- P. O. Box 608, Moundridge, KS, 67107
- NCUA charter #
- 60906
- RSSD ID
- 357393
- 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 | $83.7M | $77.8M | $56.9M | $6.5M | $-1.1M | -5.07% | 4.15% | 0.83% | 3,841 |
| Q4 2025 | $84.7M | $77.7M | $57.6M | $7.6M | $843K | 1.00% | 3.75% | 1.84% | 3,849 |
| Q3 2025 | $82.2M | $75.4M | $59.8M | $7.4M | $594K | 0.96% | 3.77% | 1.77% | 4,190 |
| Q2 2025 | $76.4M | $70.1M | $60.8M | $7.1M | $300K | 0.78% | 3.82% | 3.35% | 4,256 |
| Q1 2025 | $78.2M | $72.1M | $61.1M | $6.9M | $155K | 0.79% | 3.74% | 2.45% | 4,221 |
| Q4 2024 | $78.4M | $72.7M | $61.5M | $6.8M | $194K | 0.25% | 3.66% | 2.08% | 4,199 |
| Q3 2024 | $79.5M | $71.8M | $61.1M | $6.6M | $14K | 0.02% | 3.52% | 1.55% | 4,184 |
| Q2 2024 | $77.3M | $70.0M | $61.0M | $6.4M | $-154K | -0.40% | 3.50% | 1.41% | 4,199 |
Loan mix (Q1 2026): real estate $16.8M · commercial $24.8M · consumer $13.6M · securities $12.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Mid-Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.07% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | -65.0% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 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 | Mid-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% |
Capital
| Ratio | Mid-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% |
Credit quality
| Ratio | Mid-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% |
Franchise
| Ratio | Mid-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% |
12 more ratios, with trends and peer percentiles.
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