Benton, KY · Charter 20641
NCUA · 3 branches
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 | 0.81% | 0.69% | -0.13% | 0.44% | 0.52% | 0.60% | 1.01% | 0.62% | +19 bps | |
| Return on Equity | 9.09% | 7.79% | -1.48% | 4.74% | 5.45% | 6.20% | 10.37% | 6.19% | +145 bps | |
| Net Interest Margin | 3.34% | 3.28% | 2.98% | 3.25% | 3.49% | 3.58% | 3.80% | 3.88% | +63 bps | |
| Efficiency Ratio | 78.71% | 80.16% | 92.94% | 83.65% | 84.83% | 83.61% | 81.27% | 81.53% | -211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.83% | 9.50% | 4.36% | 1.60% | -2.49% | -2.58% | 0.64% | -2.01% | -361 bps | |
| Loan Growth (YoY) | 5.67% | 3.50% | 3.92% | 1.08% | -2.94% | -0.82% | -0.55% | -0.14% | -122 bps | |
| Share Growth (YoY) | 8.01% | 10.72% | 4.30% | 1.13% | -3.60% | -3.74% | -0.50% | -3.08% | -421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.46% | 0.81% | 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 | 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 | 8.93% | 8.89% | 8.96% | 9.21% | 9.62% | 9.71% | 9.76% | 10.07% | +86 bps | |
| Net Worth / Assets | 8.93% | 8.89% | 8.96% | 9.21% | 9.62% | 9.71% | 9.76% | 10.07% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.16% | 83.11% | 83.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |