Lexington, KY · Charter 10800
NCUA · 2 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
78
Profitability
78
Liquidity
15
Efficiency
95
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.
Lexington, KY · Charter 10800
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.08% | 2.07% | 1.82% | 2.03% | 2.15% | 2.08% | 1.70% | 1.87% | -16 bps | |
| Return on Equity | 13.32% | 12.98% | 11.50% | 12.27% | 12.57% | 12.02% | 9.87% | 10.58% | -169 bps | |
| Net Interest Margin | 3.52% | 3.55% | 3.66% | 3.85% | 3.93% | 3.91% | 3.82% | 3.88% | +3 bps | |
| Efficiency Ratio | 47.58% | 47.95% | 47.19% | 47.98% | 47.34% | 49.00% | 52.68% | 51.53% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | 3.87% | 4.66% | 4.63% | 4.09% | 4.62% | 4.03% | 5.27% | +63 bps | |
| Loan Growth (YoY) | 0.64% | -1.86% | 0.17% | -0.68% | 2.11% | 3.81% | 3.72% | 5.68% | +636 bps | |
| Share Growth (YoY) | -0.40% | -0.19% | 0.98% | 0.87% | -0.29% | 2.93% | 2.28% | 3.74% | +287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.64% | 0.42% | 0.57% | 0.53% | 0.57% | 0.31% | 0.23% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.59% | 15.97% | 15.82% | 16.50% | 17.11% | 17.35% | 17.21% | 17.66% | +115 bps | |
| Net Worth / Assets | 15.59% | 15.97% | 15.82% | 16.50% | 17.11% | 17.35% | 17.21% | 17.66% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.20% | 43.47% | 42.09% | 42.61% | 44.24% | 43.84% | 42.68% | 43.40% | +80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lexington, KY · Charter 10800 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.87%
Rank 103 of 1,683
Net Interest Margin
3.88%
Rank 783 of 1,683
Efficiency Ratio
51.54%
Rank 77 of 1,682
Equity / Assets
17.66%
Rank 349 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.87% | 0.35% | 0.74% | 1.18% | Beats 94% | 103 / 1,683 | ||
| Return on Equity | 10.58% | 2.67% | 5.89% | 8.74% | Beats 86% | 234 / 1,681 | ||
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 783 / 1,683 | ||
| Efficiency Ratio | 51.54% | 68.91% | 78.20% | 86.93% | Beats 95% | 77 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 368 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.66% | 10.44% | 12.89% | 16.53% | Beats 79% | 349 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.66% | 10.44% | 12.89% | 16.53% | Beats 79% | 349 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.40% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,437 / 1,683 | ||
| Loans / Assets | 36.06% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,445 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||