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 | |