PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bluegrass Community

Ashland, KY · Charter 12648

NCUA · 1 branch

Q2 2026

$12.9MAssets
$6.7MLoans
$11.5MShares
$1.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.39%, down 107 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 3.05% of loans (+159 bps YoY).
  • Capital: net worth / assets of 9.56%, up 65 bps from a year ago.
  • Funding: loans stand at 58.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.39%-107 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+17 bps YoY

Efficiency Ratio (YTD, annualized)

101.48%+1,868 bps YoY

Net Worth / Assets

9.56%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.84%0.52%-0.25%-0.39%-107 bps
Return on Equity7.59%8.90%5.12%-2.57%-4.13%-1,172 bps
Net Interest Margin3.92%4.00%4.47%4.14%4.09%+17 bps
Efficiency Ratio82.80%83.42%90.30%104.39%101.48%+1,868 bps
Growth
Asset Growth (YoY)11.14%3.07%-13.00%-14.04%-8.16%-1,930 bps
Loan Growth (YoY)-14.88%-18.90%-19.98%-21.47%-23.86%-898 bps
Share Growth (YoY)12.45%0.70%-15.67%-18.62%-8.95%-2,140 bps
Asset Quality
Delinquent Loans / Loans1.47%2.63%3.63%3.02%3.05%+159 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.91%9.39%10.24%9.83%9.56%+65 bps
Net Worth / Assets8.91%9.39%10.24%9.83%9.56%+65 bps
Liquidity & Funding
Loans / Shares69.39%70.10%69.72%65.45%58.02%-1,136 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps