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Daviess County Teachers

Owensboro, KY · Charter 20684

NCUA · 1 branch

Q2 2026

$75.3MAssets
$44.4MLoans
$65.8MShares
$9.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.39%, up 14 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.49% of loans (-59 bps YoY).
  • Capital: net worth / assets of 12.47%, up 97 bps from a year ago.
  • Funding: loans stand at 67.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+21 bps YoY

Efficiency Ratio (YTD, annualized)

65.48%+91 bps YoY

Net Worth / Assets

12.47%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.42%1.30%1.11%1.39%+14 bps
Return on Equity10.82%12.02%10.65%9.23%11.13%+31 bps
Net Interest Margin3.82%3.91%4.02%3.98%4.03%+21 bps
Efficiency Ratio64.57%61.10%63.38%62.76%65.48%+91 bps
Growth
Asset Growth (YoY)15.59%16.08%13.59%12.10%3.66%-1,194 bps
Loan Growth (YoY)0.08%-1.64%-3.52%-1.14%1.49%+141 bps
Share Growth (YoY)16.85%16.78%13.97%12.42%2.61%-1,424 bps
Asset Quality
Delinquent Loans / Loans1.08%1.32%0.56%0.65%0.49%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.50%11.78%12.25%12.03%12.47%+97 bps
Net Worth / Assets11.50%11.78%12.25%12.03%12.47%+97 bps
Liquidity & Funding
Loans / Shares68.17%68.00%68.83%66.55%67.43%-74 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps