CENTRAL KANSAS EDUCATION
Charter #61765 · Salina, KS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.35% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.81% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 43rd — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CENTRAL KANSAS EDUCATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.03M | 71th pct | 43th pct |
| Members | 790 | 69th pct | 43th pct |
| Net worth ratio | 13.21% | 28th pct | 48th pct |
| Return on average assets | 0.88% | 68th pct | 62th pct |
| Net interest margin | 3.35% | 28th pct | 11th pct |
| Cost of funds | 2.81% | 95th pct | 89th pct |
| Loan-to-share | 89.53% | 86th pct | 72th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.38% | 80th pct | 62th pct |
| Loan growth YoY | 3.06% | 84th pct | 82th pct |
| Share growth YoY | 9.50% | 93th pct | 90th pct |
| Efficiency ratio | 78.20% | 36th pct | 39th pct |
structural peer set hash: b38f19feb48a73a90c67ae088bbb3cda… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.