Prestonsburg, KY · Charter 19280
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
5
Profitability
44
Liquidity
98
Efficiency
0
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.
Prestonsburg, KY · Charter 19280
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.71% | -0.74% | -0.58% | 0.00% | -2.96% | -2.52% | -4.18% | -19.55% | -1,955 bps | |
| Return on Equity | -24.45% | -10.08% | -8.05% | 0.00% | -52.66% | -39.14% | -89.28% | n/a | n/a | |
| Net Interest Margin | 5.00% | 5.00% | 4.69% | 4.29% | 4.69% | 5.48% | 5.68% | 4.82% | +53 bps | |
| Efficiency Ratio | 79.87% | 77.21% | 80.43% | 82.90% | 85.11% | 93.80% | 92.34% | 300% | +21,747 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.75% | 0.95% | -8.43% | 11.93% | 2.48% | -11.81% | -19.77% | -25.07% | -3,700 bps | |
| Loan Growth (YoY) | 11.16% | 6.70% | -2.72% | -7.77% | -11.97% | -13.66% | -17.88% | -15.61% | -784 bps | |
| Share Growth (YoY) | 1.80% | 1.58% | -8.41% | 8.05% | -0.45% | -10.69% | -17.29% | -16.13% | -2,418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 3.32% | 6.37% | 4.19% | 3.69% | 4.55% | 5.51% | 3.13% | -107 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 | 0.71% | 1.60% | 1.36% | 1.21% | 2.32% | 2.49% | 3.90% | 4.04% | +283 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.01% | 7.36% | 7.14% | 6.52% | 5.63% | 6.43% | 4.69% | -0.73% | -724 bps | |
| Net Worth / Assets | 7.01% | 7.36% | 7.14% | 6.52% | 5.63% | 6.43% | 4.69% | -0.73% | -724 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.35% | 80.52% | 76.11% | 69.30% | 73.70% | 77.84% | 75.56% | 69.72% | +43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Prestonsburg, KY · Charter 19280 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
-19.55%
Rank 1,670 of 1,678
Net Interest Margin
4.83%
Rank 193 of 1,677
Efficiency Ratio
301%
Rank 1,669 of 1,675
Equity / Assets
-0.74%
Rank 1,676 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -19.55% | 0.24% | 0.67% | 1.21% | Beats 0% | 1,670 / 1,678 | ||
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | 4.83% | 3.12% | 3.67% | 4.25% | Beats 88% | 193 / 1,677 | ||
| Efficiency Ratio | 301% | 68.92% | 78.89% | 88.44% | Beats 0% | 1,669 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.14% | 0.21% | 0.58% | 1.19% | Beats 5% | 1,586 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | -0.73% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,677 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | -0.74% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,676 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.72% | 54.28% | 70.33% | 83.29% | 48th pctl | 864 / 1,677 | ||
| Loans / Assets | 69.69% | 46.21% | 59.98% | 70.96% | 72nd pctl | 473 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||