Mayfield, KY · Charter 16702
NCUA · 1 branch
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
12
Asset Quality
17
Profitability
12
Liquidity
0
Efficiency
3
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.
Mayfield, KY · Charter 16702
NCUA · 1 branch
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 | -0.53% | -0.73% | -0.55% | -0.82% | -0.73% | -21 bps | |
| Return on Equity | -5.69% | -8.24% | -6.28% | -9.29% | -7.94% | -225 bps | |
| Net Interest Margin | 3.54% | 3.49% | 3.44% | 3.21% | 3.36% | -18 bps | |
| Efficiency Ratio | 102.43% | 110.78% | 107.53% | 115.40% | 116.92% | +1,449 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.58% | 1.47% | 4.24% | -0.77% | -7.02% | -760 bps | |
| Loan Growth (YoY) | -13.28% | -18.63% | -28.11% | -30.68% | -33.33% | -2,005 bps | |
| Share Growth (YoY) | 1.78% | 3.70% | 5.13% | -1.52% | -8.07% | -985 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.96% | 0.29% | 0.12% | 1.75% | +126 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 | 9.24% | 8.89% | 8.82% | 8.87% | 9.25% | +1 bps | |
| Net Worth / Assets | 9.24% | 8.89% | 8.82% | 8.87% | 9.25% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.52% | 43.67% | 38.97% | 35.04% | 33.73% | -1,278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mayfield, KY · Charter 16702 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.73%
Rank 1,593 of 1,683
Net Interest Margin
3.36%
Rank 1,233 of 1,683
Efficiency Ratio
116.95%
Rank 1,634 of 1,682
Equity / Assets
9.25%
Rank 1,477 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,593 / 1,683 | |
| Return on Equity | -7.93% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,609 / 1,681 | |
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,233 / 1,683 | |
| Efficiency Ratio | 116.95% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,634 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.75% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,400 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.25% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,477 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.25% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,477 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.73% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,567 / 1,683 | |
| Loans / Assets | 30.38% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,545 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||