PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Health & Education

Lexington, KY · Charter 10800

NCUA · 2 branches

Q2 2026

$125.8MAssets
$45.4MLoans
$104.5MShares
$22.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.87%, down 16 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.23% of loans (-35 bps YoY).
  • Capital: net worth / assets of 17.66%, up 115 bps from a year ago.
  • Funding: loans stand at 43.40% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.87%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.88%+3 bps YoY

Efficiency Ratio (quarter, annualized)

51.53%+356 bps YoY

Net Worth / Assets

17.66%+115 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%2.07%1.82%2.03%2.15%2.08%1.70%1.87%-16 bps
Return on Equity13.32%12.98%11.50%12.27%12.57%12.02%9.87%10.58%-169 bps
Net Interest Margin3.52%3.55%3.66%3.85%3.93%3.91%3.82%3.88%+3 bps
Efficiency Ratio47.58%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 / Loans0.59%0.64%0.42%0.57%0.53%0.57%0.31%0.23%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.59%15.97%15.82%16.50%17.11%17.35%17.21%17.66%+115 bps
Net Worth / Assets15.59%15.97%15.82%16.50%17.11%17.35%17.21%17.66%+115 bps
Liquidity & Funding
Loans / Shares43.20%43.47%42.09%42.61%44.24%43.84%42.68%43.40%+80 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps