Harrodsburg, KY · Charter 11285
NCUA
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
91
Asset Quality
33
Profitability
8
Liquidity
45
Efficiency
15
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.
Harrodsburg, KY · Charter 11285
NCUA
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 | 1.54% | 1.21% | 1.05% | -0.27% | -0.35% | -189 bps | |
| Return on Equity | 6.95% | 5.31% | 4.52% | -1.20% | -1.56% | -850 bps | |
| Net Interest Margin | 2.86% | 2.90% | 2.92% | 2.73% | 2.77% | -8 bps | |
| Efficiency Ratio | 71.65% | 73.35% | 78.77% | 109.94% | 92.58% | +2,093 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.43% | -4.60% | -3.13% | -2.29% | -1.28% | +415 bps | |
| Loan Growth (YoY) | -5.43% | 0.16% | -3.32% | 3.02% | -0.63% | +481 bps | |
| Share Growth (YoY) | -8.33% | -7.27% | -5.36% | -3.82% | -1.60% | +673 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.28% | 5.93% | 3.69% | 1.73% | 1.00% | -428 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.35% | 0.36% | 0.34% | 0.35% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.14% | 22.84% | 23.20% | 22.76% | 22.50% | +36 bps | |
| Net Worth / Assets | 22.14% | 22.84% | 23.20% | 22.76% | 22.50% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.02% | 55.06% | 53.79% | 56.09% | 52.53% | +51 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harrodsburg, KY · Charter 11285 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA
Q2 2026
Return on Assets
-0.35%
Rank 1,556 of 1,683
Net Interest Margin
2.76%
Rank 1,555 of 1,683
Efficiency Ratio
91.78%
Rank 1,433 of 1,682
Equity / Assets
22.50%
Rank 150 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.35% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,556 / 1,683 | |
| Return on Equity | -1.53% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,534 / 1,681 | |
| Net Interest Margin | 2.76% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,555 / 1,683 | |
| Efficiency Ratio | 91.78% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,433 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.99% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,121 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.50% | 10.44% | 12.89% | 16.53% | Beats 91% | 150 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.50% | 10.44% | 12.89% | 16.53% | Beats 91% | 150 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.54% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,266 / 1,683 | |
| Loans / Assets | 40.62% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,345 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||