Kansas Credit Unions

Member engagement showed meaningful improvement as growth losses moderated substantially from -1.05% in Q2 2025 to -0.38% in Q3 2025, outperforming the national decline of -0.61%. While year-over-year comparison data was insufficient, the quarter-over-quarter acceleration of 67 basis points signals stabilizing membership trends and improved member retention efforts.

Profitability metrics remained robust with ROA stable at 0.80% quarter-over-quarter, up significantly from 0.61% year-over-year, maintaining a 2 basis point edge over national benchmarks. Net interest margin strengthened notably, rising 10 basis points to 3.96% from Q2 2025 and expanding 31 basis points year-over-year, demonstrating effective rate management.

Growth momentum accelerated across key metrics, with loan growth surging from -0.02% in Q2 to 0.98% in Q3 2025, substantially outpacing national performance by 78 basis points. Asset growth accelerated 50 basis points quarter-over-quarter to 1.86%, while deposit growth maintained steady acceleration, rising 22 basis points to 2.16%.

Risk profile improved modestly as delinquencies decreased 7 basis points quarter-over-quarter to 0.98% and remained stable year-over-year with only a 2 basis point decline. Net worth ratio strengthened to 14.03%, up 24 basis points from Q2 and 54 basis points year-over-year, maintaining a healthy 35 basis point buffer above national levels.

Portfolio composition shifted toward traditional lending with first mortgage concentration declining 2.71 percentage points quarter-over-quarter to 15.64%, though remaining well below the national 21.76%. Certificate concentration decreased to 24.24%, down 2.17 percentage points year-over-year but still exceeding national levels by 464 basis points, while indirect auto lending remained elevated at 12.36%.