PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kue

Lexington, KY · Charter 22478

NCUA · 1 branch

Q2 2026

$56.1MAssets
$22.4MLoans
$48.0MShares
$8.2MNet 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 0.88%, up 22 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 1.65% of loans (+20 bps YoY).
  • Capital: net worth / assets of 14.67%, up 32 bps from a year ago.
  • Funding: loans stand at 46.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+12 bps YoY

Efficiency Ratio (YTD, annualized)

72.24%-225 bps YoY

Net Worth / Assets

14.67%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.70%0.65%0.95%0.88%+22 bps
Return on Equity4.57%4.87%4.40%6.49%5.98%+141 bps
Net Interest Margin2.77%2.82%2.87%2.92%2.89%+12 bps
Efficiency Ratio74.49%75.33%75.06%74.76%72.24%-225 bps
Growth
Asset Growth (YoY)1.86%3.69%1.72%1.74%3.09%+122 bps
Loan Growth (YoY)11.53%12.64%22.25%15.03%13.57%+204 bps
Share Growth (YoY)1.32%3.50%1.16%1.31%2.39%+108 bps
Asset Quality
Delinquent Loans / Loans1.44%1.00%1.23%1.42%1.65%+20 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 Capital14.36%14.46%14.81%14.60%14.67%+32 bps
Net Worth / Assets14.36%14.46%14.81%14.60%14.67%+32 bps
Liquidity & Funding
Loans / Shares42.13%45.26%50.77%46.57%46.73%+460 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps