Paducah, KY · Charter 10274
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 | 0.45% | -1.78% | -1.78% | -2.12% | -1.75% | -220 bps | |
| Return on Equity | 2.80% | -12.05% | -12.05% | -15.37% | -13.48% | -1,629 bps | |
| Net Interest Margin | 5.03% | 5.10% | 5.16% | 4.63% | 4.32% | -71 bps | |
| Efficiency Ratio | 78.50% | 80.23% | 86.52% | 106.61% | 115.95% | +3,745 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.19% | -13.31% | 0.99% | -0.73% | 2.78% | +1,597 bps | |
| Loan Growth (YoY) | -14.14% | -18.23% | -17.41% | -19.44% | -16.36% | -222 bps | |
| Share Growth (YoY) | -14.61% | -13.45% | 3.51% | 1.60% | 6.10% | +2,071 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 0.09% | 0.02% | 0.71% | 0.05% | -127 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 | 16.20% | 14.80% | 14.74% | 13.78% | 12.98% | -322 bps | |
| Net Worth / Assets | 16.20% | 14.80% | 14.74% | 13.78% | 12.98% | -322 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.99% | 56.90% | 56.77% | 50.28% | 48.08% | -1,291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |