Highland Height, KY · Charter 21339
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 1.65% | 1.67% | 1.72% | 1.61% | -5 bps | |
| Return on Equity | 13.12% | 12.63% | 12.14% | 12.79% | 11.49% | -163 bps | |
| Net Interest Margin | 4.32% | 4.39% | 4.53% | 4.21% | 4.32% | +1 bps | |
| Efficiency Ratio | 68.81% | 69.01% | 69.49% | 65.35% | 68.53% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.20% | 2.76% | 1.31% | 4.52% | 1.63% | -57 bps | |
| Loan Growth (YoY) | 5.02% | 9.22% | 7.16% | 10.51% | 11.24% | +622 bps | |
| Share Growth (YoY) | 1.85% | 0.05% | 0.17% | 3.37% | -0.28% | -214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.66% | 0.52% | 0.32% | 0.29% | -33 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 | 12.61% | 13.04% | 13.78% | 13.42% | 13.99% | +138 bps | |
| Net Worth / Assets | 12.61% | 13.04% | 13.78% | 13.42% | 13.99% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.10% | 50.05% | 51.93% | 49.37% | 51.43% | +533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |