Benton, KY · Charter 20641
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.52% | 0.60% | 1.01% | 0.62% | +19 bps | |
| Return on Equity | 4.74% | 5.45% | 6.20% | 10.37% | 6.19% | +145 bps | |
| Net Interest Margin | 3.25% | 3.49% | 3.58% | 3.80% | 3.88% | +63 bps | |
| Efficiency Ratio | 83.65% | 84.83% | 83.61% | 81.27% | 81.53% | -211 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.60% | -2.49% | -2.58% | 0.64% | -2.01% | -361 bps | |
| Loan Growth (YoY) | 1.08% | -2.94% | -0.82% | -0.55% | -0.14% | -122 bps | |
| Share Growth (YoY) | 1.13% | -3.60% | -3.74% | -0.50% | -3.08% | -421 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 0.67% | 0.51% | 0.44% | 0.46% | -66 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 | 9.21% | 9.62% | 9.71% | 9.76% | 10.07% | +86 bps | |
| Net Worth / Assets | 9.21% | 9.62% | 9.71% | 9.76% | 10.07% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.24% | 83.73% | 85.63% | 83.66% | 84.73% | +250 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |