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 | |