PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Main Impact

Murray, KY · Charter 22978

NCUA · 1 branch

Q2 2026

$23.3MAssets
$14.3MLoans
$20.8MShares
$2.4MNet 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 0.63%, up 1 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.03% of loans (-35 bps YoY).
  • Capital: net worth / assets of 10.47%, up 59 bps from a year ago.
  • Funding: loans stand at 68.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+40 bps YoY

Efficiency Ratio (YTD, annualized)

80.70%-199 bps YoY

Net Worth / Assets

10.47%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.63%0.68%0.65%0.63%+1 bps
Return on Equity6.32%6.22%6.64%6.43%6.01%-31 bps
Net Interest Margin3.63%3.80%3.82%3.91%4.03%+40 bps
Efficiency Ratio82.69%83.55%82.04%80.64%80.70%-199 bps
Growth
Asset Growth (YoY)6.35%1.44%2.97%3.99%0.90%-546 bps
Loan Growth (YoY)8.22%7.27%5.24%6.07%2.55%-567 bps
Share Growth (YoY)6.86%0.04%3.30%2.53%0.32%-654 bps
Asset Quality
Delinquent Loans / Loans0.38%0.00%0.00%0.00%0.03%-35 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 Capital9.87%10.18%10.24%10.06%10.47%+59 bps
Net Worth / Assets9.87%10.18%10.24%10.06%10.47%+59 bps
Liquidity & Funding
Loans / Shares67.34%71.25%69.35%67.07%68.84%+150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps