Louisville, KY · Charter 19853
NCUA · 6 branches
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
71
Asset Quality
57
Profitability
42
Liquidity
42
Efficiency
52
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.
Louisville, KY · Charter 19853
NCUA · 6 branches
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 | 1.09% | 1.02% | 0.76% | 1.49% | 1.27% | 1.32% | 0.91% | 0.78% | -71 bps | |
| Return on Equity | 7.53% | 6.92% | 5.11% | 9.73% | 8.15% | 8.28% | 5.76% | 4.97% | -476 bps | |
| Net Interest Margin | 3.10% | 3.18% | 3.35% | 3.47% | 3.55% | 3.60% | 3.51% | 3.47% | -1 bps | |
| Efficiency Ratio | 71.75% | 72.74% | 79.72% | 66.06% | 69.07% | 67.68% | 78.25% | 77.50% | +1,144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.08% | 1.62% | 2.20% | 0.82% | -0.31% | 0.85% | 2.62% | 4.27% | +345 bps | |
| Loan Growth (YoY) | -4.22% | -4.07% | -4.55% | -5.16% | -0.38% | 2.13% | 3.11% | 4.28% | +944 bps | |
| Share Growth (YoY) | 1.18% | 0.61% | 1.44% | -0.04% | -1.35% | -0.13% | 1.83% | 4.03% | +407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.66% | 0.34% | 0.54% | 0.56% | 0.44% | 0.32% | 0.54% | 0 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 | 14.42% | 14.79% | 14.78% | 15.32% | 15.61% | 15.99% | 15.73% | 15.63% | +31 bps | |
| Net Worth / Assets | 14.42% | 14.79% | 14.78% | 15.32% | 15.61% | 15.99% | 15.73% | 15.63% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.52% | 53.79% | 51.72% | 51.40% | 54.05% | 55.01% | 52.38% | 51.52% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, KY · Charter 19853 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.78%
Rank 803 of 1,683
Net Interest Margin
3.47%
Rank 1,146 of 1,683
Efficiency Ratio
77.49%
Rank 803 of 1,682
Equity / Assets
15.63%
Rank 483 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 52% | 803 / 1,683 | ||
| Return on Equity | 4.97% | 2.67% | 5.89% | 8.74% | Beats 43% | 960 / 1,681 | ||
| Net Interest Margin | 3.47% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,146 / 1,683 | ||
| Efficiency Ratio | 77.49% | 68.91% | 78.20% | 86.93% | Beats 52% | 803 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 727 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.63% | 10.44% | 12.89% | 16.53% | Beats 71% | 483 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.63% | 10.44% | 12.89% | 16.53% | Beats 71% | 483 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.52% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,291 / 1,683 | ||
| Loans / Assets | 43.20% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,291 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||