Louisville, KY · Charter 16947
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.97% | 1.90% | 2.73% | 2.20% | 1.85% | 0.94% | 0.87% | -186 bps | |
| Return on Equity | 7.64% | 8.99% | 17.77% | 23.13% | 18.48% | 15.57% | 7.80% | 7.33% | -1,580 bps | |
| Net Interest Margin | 3.70% | 3.97% | 4.36% | 4.44% | 4.41% | 4.37% | 4.46% | 4.46% | +2 bps | |
| Efficiency Ratio | 81.22% | 79.62% | 58.44% | 55.08% | 61.79% | 66.00% | 79.02% | 78.86% | +2,378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.88% | 3.67% | 5.38% | 5.16% | 3.11% | 7.16% | 2.97% | 8.04% | +289 bps | |
| Loan Growth (YoY) | 13.80% | 9.50% | 4.93% | 2.94% | -0.98% | 3.25% | 6.04% | 10.85% | +791 bps | |
| Share Growth (YoY) | 10.21% | 2.62% | 4.56% | 3.42% | 1.14% | 6.01% | 1.44% | 8.01% | +459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.97% | 0.70% | 0.31% | 0.16% | 0.24% | 0.56% | 0.35% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.23% | 10.74% | 10.71% | 11.78% | 11.93% | 11.87% | 12.00% | 11.86% | +7 bps | |
| Net Worth / Assets | 10.23% | 10.74% | 10.71% | 11.78% | 11.93% | 11.87% | 12.00% | 11.86% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.10% | 76.74% | 71.11% | 74.36% | 74.50% | 74.74% | 74.33% | 76.32% | +196 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |