PackageTrendsPeer
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Morehead Community

Morehead, KY · Charter 23070

NCUA · 1 branch

Q2 2026

$65.1MAssets
$27.9MLoans
$56.0MShares
$8.8MNet 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 1.65%, down 6 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.50% of loans (+23 bps YoY).
  • Capital: net worth / assets of 13.49%, up 70 bps from a year ago.
  • Funding: loans stand at 49.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-4 bps YoY

Efficiency Ratio (YTD, annualized)

59.74%-33 bps YoY

Net Worth / Assets

13.49%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.65%1.65%1.66%1.65%-6 bps
Return on Equity13.40%12.81%12.62%12.48%12.23%-117 bps
Net Interest Margin3.26%3.25%3.26%3.24%3.23%-4 bps
Efficiency Ratio60.08%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 / Loans0.27%0.20%0.16%0.33%0.50%+23 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 Capital12.78%12.89%13.12%13.28%13.49%+70 bps
Net Worth / Assets12.78%12.89%13.12%13.28%13.49%+70 bps
Liquidity & Funding
Loans / Shares53.23%52.26%51.77%50.67%49.85%-338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps