Hawesville, KY · Charter 20891
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
3
Asset Quality
33
Profitability
26
Liquidity
43
Efficiency
7
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.
Hawesville, KY · Charter 20891
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 | -1.29% | -1.49% | -1.44% | -0.97% | -0.51% | -0.58% | -1.43% | -0.11% | +85 bps | |
| Return on Equity | -16.47% | -18.84% | -18.44% | -12.40% | -6.20% | -7.21% | -18.90% | -1.40% | +1,100 bps | |
| Net Interest Margin | 3.30% | 3.58% | 3.82% | 3.78% | 4.11% | 4.38% | 2.95% | 3.97% | +20 bps | |
| Efficiency Ratio | 122.74% | 127.63% | 107.50% | 109.74% | 99.51% | 102.95% | 136.94% | 102.26% | -749 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.70% | -11.35% | -10.24% | -11.63% | -9.55% | -6.45% | -6.73% | -6.11% | +552 bps | |
| Loan Growth (YoY) | -9.16% | -8.38% | -8.71% | -7.89% | -11.10% | -15.76% | -12.53% | -15.24% | -735 bps | |
| Share Growth (YoY) | -12.68% | -10.36% | -10.03% | -11.39% | -8.71% | -6.54% | -6.80% | -6.27% | +512 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.66% | 1.43% | 1.00% | 0.23% | 0.38% | 2.33% | 1.01% | +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 | 7.84% | 7.91% | 7.80% | 7.79% | 8.20% | 8.02% | 7.55% | 7.91% | +13 bps | |
| Net Worth / Assets | 7.84% | 7.91% | 7.80% | 7.79% | 8.20% | 8.02% | 7.55% | 7.91% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.64% | 60.71% | 56.64% | 57.40% | 57.11% | 54.72% | 53.16% | 51.91% | -549 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hawesville, KY · Charter 20891 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.11%
Rank 1,515 of 1,683
Net Interest Margin
3.98%
Rank 684 of 1,683
Efficiency Ratio
101.97%
Rank 1,573 of 1,682
Equity / Assets
7.91%
Rank 1,625 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,515 / 1,683 | ||
| Return on Equity | -1.43% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,532 / 1,681 | ||
| Net Interest Margin | 3.98% | 3.31% | 3.82% | 4.32% | Beats 59% | 684 / 1,683 | ||
| Efficiency Ratio | 101.97% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,573 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,135 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,625 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,625 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.91% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,283 / 1,683 | ||
| Loans / Assets | 47.60% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,181 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||