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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |