Hawesville, KY · Charter 20891
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |