Edgewood, KY · Charter 19879
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 in the Cincinnati, OH-KY-IN area (n=27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
44
Profitability
0
Liquidity
36
Efficiency
26
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.
Edgewood, KY · Charter 19879
NCUA · 1 branch
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.43% | 0.48% | 0.56% | -19.37% | -1,983 bps | |
| Return on Equity | 3.05% | 2.78% | 3.09% | 3.49% | -175.45% | -17,850 bps | |
| Net Interest Margin | 3.16% | 3.20% | 3.30% | 3.39% | -13.56% | -1,672 bps | |
| Efficiency Ratio | 87.53% | 86.71% | 88.43% | 86.63% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.19% | 3.25% | 2.81% | 0.41% | -1.55% | -374 bps | |
| Loan Growth (YoY) | -5.36% | -3.99% | -0.87% | -1.07% | -1.98% | +338 bps | |
| Share Growth (YoY) | 1.98% | 3.35% | 2.35% | -0.20% | 3.39% | +140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 1.04% | 0.13% | 0.27% | 1.19% | +103 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.30% | 15.36% | 15.60% | 16.17% | 11.04% | -426 bps | |
| Net Worth / Assets | 15.30% | 15.36% | 15.60% | 16.17% | 11.04% | -426 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.59% | 80.52% | 82.65% | 83.85% | 76.40% | -418 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Edgewood, KY · Charter 19879 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=27)
NCUA · 1 branch
Q1 2026
Return on Assets
-19.37%
Rank 27 of 27
Net Interest Margin
-13.56%
Rank 27 of 27
Equity / Assets
11.04%
Rank 17 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -19.37% | 0.04% | 0.65% | 1.41% | Beats 0% | 27 / 27 | |
| Return on Equity | -175.45% | 0.38% | 5.48% | 8.42% | Beats 0% | 27 / 27 | |
| Net Interest Margin | -13.56% | 3.20% | 3.96% | 4.60% | Beats 0% | 27 / 27 | |
| Efficiency Ratio | n/a | Not reported for this institution | |||||
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.19% | 0.38% | 0.86% | 1.51% | Beats 44% | 16 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.04% | 10.13% | 12.23% | 15.27% | Beats 37% | 17 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.04% | 10.13% | 12.23% | 15.27% | Beats 37% | 17 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.40% | 50.28% | 64.87% | 76.40% | 74th pctl | 7 / 27 | |
| Loans / Assets | 66.79% | 43.56% | 55.42% | 67.69% | 70th pctl | 8 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||