Owensboro, KY · Charter 12852
NCUA · 3 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 | 1.37% | 1.45% | 1.48% | 1.36% | 1.43% | +6 bps | |
| Return on Equity | 6.91% | 7.08% | 7.13% | 6.66% | 6.92% | +1 bps | |
| Net Interest Margin | 3.84% | 4.01% | 4.06% | 4.11% | 4.08% | +25 bps | |
| Efficiency Ratio | 68.19% | 67.85% | 67.47% | 64.34% | 65.27% | -293 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.66% | 5.53% | 5.78% | 7.28% | 3.06% | -161 bps | |
| Loan Growth (YoY) | 2.45% | 0.26% | 1.90% | 3.02% | -1.40% | -384 bps | |
| Share Growth (YoY) | 4.20% | 5.05% | 5.18% | 7.15% | 1.81% | -238 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.04% | 0.32% | 0.26% | 0.53% | +42 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 | 19.85% | 20.46% | 20.82% | 20.44% | 20.74% | +89 bps | |
| Net Worth / Assets | 19.85% | 20.46% | 20.82% | 20.44% | 20.74% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.55% | 75.48% | 76.05% | 73.77% | 72.20% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |