PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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