Ashland, KY · Charter 12648
NCUA · 1 branch
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 | 0.76% | 0.14% | 0.86% | 0.68% | 0.84% | 0.52% | -0.25% | -0.39% | -107 bps | |
| Return on Equity | 7.99% | 1.61% | 10.31% | 7.59% | 8.90% | 5.12% | -2.57% | -4.13% | -1,172 bps | |
| Net Interest Margin | 4.70% | 4.30% | 3.69% | 3.92% | 4.00% | 4.47% | 4.14% | 4.09% | +17 bps | |
| Efficiency Ratio | 87.04% | 94.40% | 78.10% | 82.80% | 83.42% | 90.30% | 104.39% | 101.48% | +1,868 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.84% | 22.95% | 24.78% | 11.14% | 3.07% | -13.00% | -14.04% | -8.16% | -1,930 bps | |
| Loan Growth (YoY) | -2.80% | -8.57% | -10.24% | -14.88% | -18.90% | -19.98% | -21.47% | -23.86% | -898 bps | |
| Share Growth (YoY) | 15.54% | 29.28% | 26.62% | 12.45% | 0.70% | -15.67% | -18.62% | -8.95% | -2,140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.86% | 2.48% | 1.99% | 1.47% | 2.63% | 3.63% | 3.02% | 3.05% | +159 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.53% | 8.52% | 8.35% | 8.91% | 9.39% | 10.24% | 9.83% | 9.56% | +65 bps | |
| Net Worth / Assets | 9.53% | 8.52% | 8.35% | 8.91% | 9.39% | 10.24% | 9.83% | 9.56% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.05% | 73.47% | 67.83% | 69.39% | 70.10% | 69.72% | 65.45% | 58.02% | -1,136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |