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K I T

Louisville, KY · Charter 16947

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

K I T

Louisville, KY · Charter 16947

NCUA · 1 branch

Q2 2026

$23.1MAssets
$15.4MLoans
$20.2MShares
$2.7MNet 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 0.87%, down 186 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.35% of loans (+4 bps YoY).
  • Capital: net worth / assets of 11.86%, up 7 bps from a year ago.
  • Funding: loans stand at 76.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-186 bps YoY

Net Interest Margin (YTD, annualized)

4.46%+2 bps YoY

Efficiency Ratio (YTD, annualized)

78.86%+2,378 bps YoY

Net Worth / Assets

11.86%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.73%2.20%1.85%0.94%0.87%-186 bps
Return on Equity23.13%18.48%15.57%7.80%7.33%-1,580 bps
Net Interest Margin4.44%4.41%4.37%4.46%4.46%+2 bps
Efficiency Ratio55.08%61.79%66.00%79.02%78.86%+2,378 bps
Growth
Asset Growth (YoY)5.16%3.11%7.16%2.97%8.04%+289 bps
Loan Growth (YoY)2.94%-0.98%3.25%6.04%10.85%+791 bps
Share Growth (YoY)3.42%1.14%6.01%1.44%8.01%+459 bps
Asset Quality
Delinquent Loans / Loans0.31%0.16%0.24%0.56%0.35%+4 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 Capital11.78%11.93%11.87%12.00%11.86%+7 bps
Net Worth / Assets11.78%11.93%11.87%12.00%11.86%+7 bps
Liquidity & Funding
Loans / Shares74.36%74.50%74.74%74.33%76.32%+196 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

K I T

Louisville, KY · Charter 16947 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$23.1MAssets
$15.4MLoans
$20.2MShares
$2.7MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets (rank 348 of 1683).
  • Widest gap: equity / assets trails 60% of credit unions under $1B in assets (rank 1018 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.87%

Rank 714 of 1,683

Net Interest Margin

4.46%

Rank 348 of 1,683

Efficiency Ratio

78.98%

Rank 881 of 1,682

Equity / Assets

11.86%

Rank 1,018 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.35%0.74%1.18%Beats 58%714 / 1,683
Return on Equity7.37%2.67%5.89%8.74%Beats 64%601 / 1,681
Net Interest Margin4.46%3.31%3.82%4.32%Beats 79%348 / 1,683
Efficiency Ratio78.98%68.91%78.20%86.93%Beats 48%881 / 1,682
Asset Quality
Nonperforming Loans / Loans0.35%0.26%0.65%1.29%Beats 69%520 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.86%10.44%12.89%16.53%Beats 40%1,018 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.86%10.44%12.89%16.53%Beats 40%1,018 / 1,683
Liquidity & Funding
Loans / Deposits76.32%52.61%69.38%83.50%62nd pctl636 / 1,683
Loans / Assets66.82%44.71%59.18%70.72%66th pctl568 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution