Lexington, KY · Charter 22478
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
65
Asset Quality
18
Profitability
40
Liquidity
26
Efficiency
68
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.
Lexington, KY · Charter 22478
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 | 0.66% | 0.63% | 0.65% | 0.66% | 0.70% | 0.65% | 0.95% | 0.88% | +22 bps | |
| Return on Equity | 4.63% | 4.39% | 4.57% | 4.57% | 4.87% | 4.40% | 6.49% | 5.98% | +141 bps | |
| Net Interest Margin | 2.58% | 2.59% | 2.69% | 2.77% | 2.82% | 2.87% | 2.92% | 2.89% | +12 bps | |
| Efficiency Ratio | 77.43% | 77.76% | 74.50% | 74.49% | 75.33% | 75.06% | 74.76% | 72.24% | -225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | 1.39% | 3.74% | 1.86% | 3.69% | 1.72% | 1.74% | 3.09% | +122 bps | |
| Loan Growth (YoY) | 9.70% | 6.97% | 9.27% | 11.53% | 12.64% | 22.25% | 15.03% | 13.57% | +204 bps | |
| Share Growth (YoY) | -1.91% | 0.70% | 3.69% | 1.32% | 3.50% | 1.16% | 1.31% | 2.39% | +108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.51% | 1.87% | 1.64% | 1.44% | 1.00% | 1.23% | 1.42% | 1.65% | +20 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 | 14.31% | 14.40% | 14.13% | 14.36% | 14.46% | 14.81% | 14.60% | 14.67% | +32 bps | |
| Net Worth / Assets | 14.31% | 14.40% | 14.13% | 14.36% | 14.46% | 14.81% | 14.60% | 14.67% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.59% | 42.02% | 41.01% | 42.13% | 45.26% | 50.77% | 46.57% | 46.73% | +460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lexington, KY · Charter 22478 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.88%
Rank 709 of 1,683
Net Interest Margin
2.89%
Rank 1,505 of 1,683
Efficiency Ratio
72.22%
Rank 544 of 1,682
Equity / Assets
14.67%
Rank 581 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.35% | 0.74% | 1.18% | Beats 58% | 709 / 1,683 | ||
| Return on Equity | 5.98% | 2.67% | 5.89% | 8.74% | Beats 51% | 826 / 1,681 | ||
| Net Interest Margin | 2.89% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,505 / 1,683 | ||
| Efficiency Ratio | 72.22% | 68.91% | 78.20% | 86.93% | Beats 68% | 544 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.65% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,378 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.67% | 10.44% | 12.89% | 16.53% | Beats 65% | 581 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.67% | 10.44% | 12.89% | 16.53% | Beats 65% | 581 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.73% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,378 / 1,683 | ||
| Loans / Assets | 39.99% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,364 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||