| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +1.3% | +8.7 pts |
| Share growth (YoY) | +9.4% | +0.9% | +8.5 pts |
| Loan growth (YoY) | -9.8% | -2.6% | -7.2 pts |
| ROA | 0.63% | 0.65% | -0.0 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.0M | $76.7M | $54.8M | $7.9M | $265K | 0.63% | 4.14% | 2.34% | 3,820 |
| 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% |
| Ratio | Mid-Kansas Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,184 |
| Q2 2024 | $77.3M | $70.0M | $61.0M | $6.4M | $-154K | -0.40% | 3.50% | 1.41% | 4,199 |
Loan mix (Q2 2026): real estate $17.2M · commercial $22.4M · consumer $13.5M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 80.6% | 33rd |
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 | 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% |
| Ratio | Mid-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 | 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Reno, KS, ranked 12th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Reno, KS | 1 | $38.3M* | 1.67% | 12th |
| McPherson, KS | 1 | $38.3M* | 2.99% | 8th |
Kansas: 196th with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2