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Old Kentucky Home

Bardstown, KY · Charter 18172

NCUA · 1 branch

Q2 2026

$19.8MAssets
$13.9MLoans
$17.4MShares
$2.4MNet 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 0.30%, up 10 bps year over year; NIM at 5.00%.
  • Asset quality: problem loans at 0.55% of loans (+29 bps YoY).
  • Capital: net worth / assets of 12.16%, up 2 bps from a year ago.
  • Funding: loans stand at 79.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%+10 bps YoY

Net Interest Margin (YTD, annualized)

5.00%-16 bps YoY

Efficiency Ratio (YTD, annualized)

94.77%+496 bps YoY

Net Worth / Assets

12.16%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.18%0.20%0.43%0.30%+10 bps
Return on Equity1.61%1.48%1.61%3.48%2.43%+82 bps
Net Interest Margin5.16%5.29%5.19%5.01%5.00%-16 bps
Efficiency Ratio89.81%90.16%90.93%93.38%94.77%+496 bps
Growth
Asset Growth (YoY)2.23%-1.47%-0.57%-2.44%1.68%-56 bps
Loan Growth (YoY)-5.01%1.24%9.99%8.12%9.18%+1,420 bps
Share Growth (YoY)0.76%-1.45%-1.24%-2.89%3.75%+300 bps
Asset Quality
Delinquent Loans / Loans0.26%0.44%0.43%0.23%0.55%+29 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 Capital12.15%12.36%12.20%12.28%12.16%+2 bps
Net Worth / Assets12.15%12.36%12.20%12.28%12.16%+2 bps
Liquidity & Funding
Loans / Shares75.66%77.12%81.08%79.26%79.62%+396 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps