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 | |