Harrodsburg, KY · Charter 11285
NCUA
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.55% | 1.60% | 1.54% | 1.21% | 1.05% | -0.27% | -0.35% | -189 bps | |
| Return on Equity | 1.83% | 2.56% | 7.37% | 6.95% | 5.31% | 4.52% | -1.20% | -1.56% | -850 bps | |
| Net Interest Margin | 2.92% | 3.03% | 3.15% | 2.86% | 2.90% | 2.92% | 2.73% | 2.77% | -8 bps | |
| Efficiency Ratio | 66.61% | 65.90% | 63.23% | 71.65% | 73.35% | 78.77% | 109.94% | 92.58% | +2,093 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | -2.72% | -3.62% | -5.43% | -4.60% | -3.13% | -2.29% | -1.28% | +415 bps | |
| Loan Growth (YoY) | -2.16% | -1.57% | -4.97% | -5.43% | 0.16% | -3.32% | 3.02% | -0.63% | +481 bps | |
| Share Growth (YoY) | -5.94% | -4.04% | -5.54% | -8.33% | -7.27% | -5.36% | -3.82% | -1.60% | +673 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.45% | 3.57% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.79% | 0.61% | 0.18% | 0.35% | 0.36% | 0.34% | 0.35% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.67% | 21.45% | 21.69% | 22.14% | 22.84% | 23.20% | 22.76% | 22.50% | +36 bps | |
| Net Worth / Assets | 20.67% | 21.45% | 21.69% | 22.14% | 22.84% | 23.20% | 22.76% | 22.50% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.97% | 52.66% | 52.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |