South Shore, KY · Charter 10177
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
6
Profitability
19
Liquidity
98
Efficiency
56
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
South Shore, KY · Charter 10177
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | 0.07% | 0.37% | 0.78% | -1.04% | -39 bps | |
| Return on Equity | -1.31% | 0.13% | 0.71% | 1.50% | -1.87% | -55 bps | |
| Net Interest Margin | 3.75% | 3.48% | 3.60% | 3.29% | 3.56% | -19 bps | |
| Efficiency Ratio | 74.14% | 67.26% | 67.21% | 77.31% | 79.03% | +489 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.83% | -0.45% | -0.70% | -2.89% | -9.26% | -342 bps | |
| Loan Growth (YoY) | -18.16% | -14.76% | -12.83% | -18.95% | -12.92% | +523 bps | |
| Share Growth (YoY) | -13.13% | -3.73% | -3.87% | -8.34% | -20.44% | -731 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.39% | 11.18% | 5.47% | 13.33% | +1,280 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 49.61% | 50.44% | 51.91% | 51.89% | 55.81% | +620 bps | |
| Net Worth / Assets | 49.61% | 50.44% | 51.91% | 51.89% | 55.81% | +620 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.51% | 56.03% | 56.63% | 51.04% | 57.47% | +496 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Shore, KY · Charter 10177 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.06%
Rank 16 of 16
Net Interest Margin
3.61%
Rank 8 of 16
Efficiency Ratio
77.78%
Rank 8 of 16
Equity / Assets
55.79%
Rank 1 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.06% | 0.26% | 0.64% | 1.04% | Beats 0% | 16 / 16 | |
| Return on Equity | -1.90% | 2.11% | 6.23% | 8.05% | Beats 6% | 15 / 16 | |
| Net Interest Margin | 3.61% | 3.27% | 3.61% | 4.55% | Beats 50% | 8 / 16 | |
| Efficiency Ratio | 77.78% | 73.53% | 78.18% | 86.56% | Beats 56% | 8 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 13.42% | 0.76% | 1.98% | 4.44% | Beats 6% | 16 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 55.79% | 11.13% | 12.88% | 16.82% | Beats 94% | 1 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 55.79% | 11.13% | 12.88% | 16.82% | Beats 94% | 1 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.47% | 50.42% | 58.02% | 68.47% | 44th pctl | 9 / 16 | |
| Loans / Assets | 25.35% | 44.10% | 51.06% | 58.46% | 0th pctl | 16 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||