Morehead, KY · Charter 23070
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
55
Asset Quality
59
Profitability
67
Liquidity
36
Efficiency
89
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.
Morehead, KY · Charter 23070
NCUA · 1 branch
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 | 1.71% | 1.65% | 1.65% | 1.66% | 1.65% | -6 bps | |
| Return on Equity | 13.40% | 12.81% | 12.62% | 12.48% | 12.23% | -117 bps | |
| Net Interest Margin | 3.26% | 3.25% | 3.26% | 3.24% | 3.23% | -4 bps | |
| Efficiency Ratio | 60.08% | 59.42% | 58.61% | 60.03% | 59.74% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.39% | 12.15% | 12.52% | 9.32% | 7.79% | -160 bps | |
| Loan Growth (YoY) | 10.76% | 6.80% | 4.64% | 2.09% | 0.00% | -1,076 bps | |
| Share Growth (YoY) | 8.81% | 11.71% | 12.00% | 8.44% | 6.78% | -202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.20% | 0.16% | 0.33% | 0.50% | +23 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 | 12.78% | 12.89% | 13.12% | 13.28% | 13.49% | +70 bps | |
| Net Worth / Assets | 12.78% | 12.89% | 13.12% | 13.28% | 13.49% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.23% | 52.26% | 51.77% | 50.67% | 49.85% | -338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morehead, KY · Charter 23070 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.65%
Rank 184 of 1,683
Net Interest Margin
3.23%
Rank 1,322 of 1,683
Efficiency Ratio
59.75%
Rank 184 of 1,682
Equity / Assets
13.49%
Rank 749 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 0.35% | 0.74% | 1.18% | Beats 89% | 184 / 1,683 | |
| Return on Equity | 12.22% | 2.67% | 5.89% | 8.74% | Beats 92% | 130 / 1,681 | |
| Net Interest Margin | 3.23% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,322 / 1,683 | |
| Efficiency Ratio | 59.75% | 68.91% | 78.20% | 86.93% | Beats 89% | 184 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 689 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 749 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 749 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.85% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,327 / 1,683 | |
| Loans / Assets | 42.94% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,304 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||