Bardstown, KY · Charter 18172
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
43
Asset Quality
56
Profitability
45
Liquidity
55
Efficiency
11
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.
Bardstown, KY · Charter 18172
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.12% | 0.02% | 0.20% | 0.18% | 0.20% | 0.43% | 0.30% | +10 bps | |
| Return on Equity | 10.64% | 9.40% | 0.19% | 1.61% | 1.48% | 1.61% | 3.48% | 2.43% | +82 bps | |
| Net Interest Margin | 5.21% | 5.18% | 5.09% | 5.16% | 5.29% | 5.19% | 5.01% | 5.00% | -16 bps | |
| Efficiency Ratio | 74.87% | 80.68% | 91.44% | 89.81% | 90.16% | 90.93% | 93.38% | 94.77% | +496 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.80% | 0.20% | 1.98% | 2.23% | -1.47% | -0.57% | -2.44% | 1.68% | -56 bps | |
| Loan Growth (YoY) | -11.63% | -10.57% | -7.25% | -5.01% | 1.24% | 9.99% | 8.12% | 9.18% | +1,420 bps | |
| Share Growth (YoY) | -7.89% | -0.03% | 2.87% | 0.76% | -1.45% | -1.24% | -2.89% | 3.75% | +300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 1.37% | 0.25% | 0.26% | 0.44% | 0.43% | 0.23% | 0.55% | +29 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 | 12.06% | 11.96% | 11.72% | 12.15% | 12.36% | 12.20% | 12.28% | 12.16% | +2 bps | |
| Net Worth / Assets | 12.06% | 11.96% | 11.72% | 12.15% | 12.36% | 12.20% | 12.28% | 12.16% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.06% | 72.80% | 71.18% | 75.66% | 77.12% | 81.08% | 79.26% | 79.62% | +396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bardstown, KY · Charter 18172 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.29%
Rank 1,317 of 1,683
Net Interest Margin
5.00%
Rank 146 of 1,683
Efficiency Ratio
94.68%
Rank 1,502 of 1,682
Equity / Assets
12.16%
Rank 966 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,317 / 1,683 | ||
| Return on Equity | 2.41% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,298 / 1,681 | ||
| Net Interest Margin | 5.00% | 3.31% | 3.82% | 4.32% | Beats 91% | 146 / 1,683 | ||
| Efficiency Ratio | 94.68% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,502 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 738 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.16% | 10.44% | 12.89% | 16.53% | Beats 43% | 966 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.16% | 10.44% | 12.89% | 16.53% | Beats 43% | 966 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.62% | 52.61% | 69.38% | 83.50% | 69th pctl | 529 / 1,683 | ||
| Loans / Assets | 69.93% | 44.71% | 59.18% | 70.72% | 73rd pctl | 448 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||