Louisville, KY · Charter 20595
NCUA · 1 branch
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
43
Asset Quality
100
Profitability
30
Liquidity
95
Efficiency
29
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 20595
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 | -2.84% | -2.37% | 0.71% | 1.12% | 0.52% | 0.65% | -4.35% | -3.32% | -445 bps | |
| Return on Equity | -19.74% | -16.30% | 5.06% | 8.02% | 3.55% | 4.34% | -34.03% | -27.05% | -3,507 bps | |
| Net Interest Margin | 5.64% | 5.78% | 5.16% | 5.07% | 5.35% | 5.38% | 4.77% | 4.77% | -30 bps | |
| Efficiency Ratio | 72.02% | 72.97% | 77.24% | 76.08% | 77.74% | 79.14% | 83.05% | 85.27% | +919 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.05% | -5.28% | 4.60% | 8.05% | -0.18% | 1.80% | 4.47% | 0.49% | -756 bps | |
| Loan Growth (YoY) | 25.12% | 20.40% | 28.39% | 28.68% | 19.79% | 17.21% | 9.46% | -5.03% | -3,371 bps | |
| Share Growth (YoY) | -3.76% | -3.65% | 3.46% | 4.16% | -0.44% | 1.38% | 5.94% | 6.57% | +242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.03% | 0.00% | 0.01% | 0.00% | 1.58% | 0.28% | 0.00% | -1 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 | 14.39% | 14.56% | 14.08% | 14.02% | 14.56% | 14.88% | 12.77% | 12.29% | -174 bps | |
| Net Worth / Assets | 14.39% | 14.56% | 14.08% | 14.02% | 14.56% | 14.88% | 12.77% | 12.29% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.15% | 66.18% | 66.08% | 76.02% | 75.98% | 76.52% | 68.28% | 67.74% | -828 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 20595 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-3.32%
Rank 1,660 of 1,683
Net Interest Margin
4.78%
Rank 217 of 1,683
Efficiency Ratio
85.34%
Rank 1,199 of 1,682
Equity / Assets
12.28%
Rank 953 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.32% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,660 / 1,683 | ||
| Return on Equity | -26.99% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,663 / 1,681 | ||
| Net Interest Margin | 4.78% | 3.31% | 3.82% | 4.32% | Beats 87% | 217 / 1,683 | ||
| Efficiency Ratio | 85.34% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,199 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.28% | 10.44% | 12.89% | 16.53% | Beats 43% | 953 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.28% | 10.44% | 12.89% | 16.53% | Beats 43% | 953 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.74% | 52.61% | 69.38% | 83.50% | 47th pctl | 891 / 1,683 | ||
| Loans / Assets | 59.35% | 44.71% | 59.18% | 70.72% | 50th pctl | 835 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||