Middlesboro, KY · Charter 20438
NCUA · 1 branch
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 | 0.98% | 0.93% | 0.44% | 0.77% | 1.08% | 1.17% | 0.90% | 1.23% | +45 bps | |
| Return on Equity | 3.80% | 3.44% | 1.70% | 3.06% | 3.98% | 4.17% | 3.40% | 4.55% | +149 bps | |
| Net Interest Margin | 4.64% | 4.72% | 4.33% | 4.30% | 4.79% | 5.03% | 5.00% | 5.22% | +92 bps | |
| Efficiency Ratio | 77.23% | 77.32% | 82.45% | 80.90% | 77.43% | 76.65% | 81.44% | 75.16% | -574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.37% | 11.00% | 6.88% | 5.17% | -1.46% | -0.07% | 3.41% | -1.43% | -660 bps | |
| Loan Growth (YoY) | -10.59% | -9.24% | -10.58% | 0.94% | 3.64% | 10.48% | 22.41% | 13.82% | +1,289 bps | |
| Share Growth (YoY) | 13.98% | 14.35% | 7.47% | 5.00% | -2.70% | -1.64% | 3.72% | -2.73% | -773 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 2.07% | 0.93% | 1.75% | 2.03% | 2.47% | 0.98% | 1.32% | -43 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 | 25.91% | 26.93% | 26.07% | 25.25% | 27.26% | 28.13% | 26.47% | 26.93% | +169 bps | |
| Net Worth / Assets | 25.91% | 26.93% | 26.07% | 25.25% | 27.26% | 28.13% | 26.47% | 26.93% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.81% | 75.34% | 67.76% | 70.24% | 77.56% | 84.63% | 79.97% | 82.19% | +1,195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |