Morehead, KY · Charter 23070
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.41% | 1.62% | 1.71% | 1.65% | 1.65% | 1.66% | 1.65% | -6 bps | |
| Return on Equity | 10.77% | 10.90% | 12.76% | 13.40% | 12.81% | 12.62% | 12.48% | 12.23% | -117 bps | |
| Net Interest Margin | 3.08% | 3.10% | 3.20% | 3.26% | 3.25% | 3.26% | 3.24% | 3.23% | -4 bps | |
| Efficiency Ratio | 62.62% | 62.07% | 62.60% | 60.08% | 59.42% | 58.61% | 60.03% | 59.74% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.25% | 7.31% | 8.02% | 9.39% | 12.15% | 12.52% | 9.32% | 7.79% | -160 bps | |
| Loan Growth (YoY) | 15.49% | 16.03% | 16.02% | 10.76% | 6.80% | 4.64% | 2.09% | 0.00% | -1,076 bps | |
| Share Growth (YoY) | 4.02% | 6.76% | 7.40% | 8.81% | 11.71% | 12.00% | 8.44% | 6.78% | -202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.35% | 0.41% | 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 | 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 | 12.67% | 12.90% | 12.70% | 12.78% | 12.89% | 13.12% | 13.28% | 13.49% | +70 bps | |
| Net Worth / Assets | 12.67% | 12.90% | 12.70% | 12.78% | 12.89% | 13.12% | 13.28% | 13.49% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.66% | 55.41% | 53.82% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |