Owensboro, KY · Charter 11168
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
10
Asset Quality
33
Profitability
63
Liquidity
62
Efficiency
54
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.
Owensboro, KY · Charter 11168
NCUA · 2 branches
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% | 0.66% | 0.78% | 1.19% | 0.79% | +34 bps | |
| Return on Equity | 6.20% | 8.27% | 9.22% | 13.58% | 8.77% | +257 bps | |
| Net Interest Margin | 2.92% | 3.27% | 3.56% | 3.88% | 4.01% | +109 bps | |
| Efficiency Ratio | 87.17% | 81.41% | 80.01% | 75.08% | 77.09% | -1,008 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.22% | 11.92% | 4.13% | 0.45% | -10.90% | -3,112 bps | |
| Loan Growth (YoY) | -7.05% | -1.15% | -1.09% | -0.73% | 1.65% | +869 bps | |
| Share Growth (YoY) | 21.91% | 12.31% | 3.54% | -0.81% | -12.62% | -3,453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.29% | 0.54% | 0.52% | 1.00% | +54 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 | 7.24% | 7.93% | 8.49% | 8.79% | 8.97% | +173 bps | |
| Net Worth / Assets | 7.24% | 7.93% | 8.49% | 8.79% | 8.97% | +173 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.55% | 54.30% | 56.72% | 56.30% | 57.64% | +809 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Owensboro, KY · Charter 11168 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.78%
Rank 794 of 1,683
Net Interest Margin
4.01%
Rank 661 of 1,683
Efficiency Ratio
77.05%
Rank 782 of 1,682
Equity / Assets
8.97%
Rank 1,510 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 53% | 794 / 1,683 | |
| Return on Equity | 8.74% | 2.67% | 5.89% | 8.74% | Beats 75% | 420 / 1,681 | |
| Net Interest Margin | 4.01% | 3.31% | 3.82% | 4.32% | Beats 61% | 661 / 1,683 | |
| Efficiency Ratio | 77.05% | 68.91% | 78.20% | 86.93% | Beats 54% | 782 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.00% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,127 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.97% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,510 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.97% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,510 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.64% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,153 / 1,683 | |
| Loans / Assets | 52.32% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,048 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||