Lexington, KY · Charter 22478
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 | 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 | |