Louisville, KY · Charter 20595
NCUA · 1 branch
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.52% | 0.65% | -4.35% | -3.32% | -445 bps | |
| Return on Equity | 8.02% | 3.55% | 4.34% | -34.03% | -27.05% | -3,507 bps | |
| Net Interest Margin | 5.07% | 5.35% | 5.38% | 4.77% | 4.77% | -30 bps | |
| Efficiency Ratio | 76.08% | 77.74% | 79.14% | 83.05% | 85.27% | +919 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.05% | -0.18% | 1.80% | 4.47% | 0.49% | -756 bps | |
| Loan Growth (YoY) | 28.68% | 19.79% | 17.21% | 9.46% | -5.03% | -3,371 bps | |
| Share Growth (YoY) | 4.16% | -0.44% | 1.38% | 5.94% | 6.57% | +242 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.02% | 14.56% | 14.88% | 12.77% | 12.29% | -174 bps | |
| Net Worth / Assets | 14.02% | 14.56% | 14.88% | 12.77% | 12.29% | -174 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |