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 | |