Paducah, KY · Charter 23949
NCUA · 5 branches
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
75
Asset Quality
31
Profitability
49
Liquidity
96
Efficiency
85
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.
Paducah, KY · Charter 23949
NCUA · 5 branches
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 | 0.92% | 0.89% | 0.94% | 0.88% | 0.83% | 0.82% | 1.17% | 1.13% | +25 bps | |
| Return on Equity | 5.42% | 5.21% | 5.63% | 5.28% | 4.84% | 4.83% | 7.01% | 6.79% | +152 bps | |
| Net Interest Margin | 2.53% | 2.52% | 3.09% | 2.84% | 2.82% | 2.76% | 3.13% | 3.09% | +25 bps | |
| Efficiency Ratio | 65.36% | 65.87% | 68.02% | 69.39% | 69.91% | 69.85% | 63.99% | 63.73% | -566 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.55% | 4.25% | 8.35% | 7.36% | 3.70% | 4.86% | 5.33% | 6.24% | -112 bps | |
| Loan Growth (YoY) | 5.62% | 3.30% | 3.32% | 5.63% | 6.79% | 8.37% | 7.33% | 5.29% | -33 bps | |
| Share Growth (YoY) | 4.83% | 6.02% | 7.50% | 6.91% | 3.24% | 4.67% | 5.78% | 7.21% | +30 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.77% | 0.79% | 1.00% | 0.87% | 0.99% | 1.07% | 1.07% | +7 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 | 16.97% | 17.04% | 16.70% | 16.69% | 17.19% | 17.08% | 16.72% | 16.64% | -5 bps | |
| Net Worth / Assets | 16.97% | 17.04% | 16.70% | 16.69% | 17.19% | 17.08% | 16.72% | 16.64% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.10% | 69.49% | 68.31% | 69.43% | 72.51% | 71.95% | 69.31% | 68.19% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Paducah, KY · Charter 23949 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.13%
Rank 474 of 1,683
Net Interest Margin
3.09%
Rank 1,397 of 1,683
Efficiency Ratio
63.74%
Rank 261 of 1,682
Equity / Assets
16.64%
Rank 413 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 474 / 1,683 | ||
| Return on Equity | 6.79% | 2.67% | 5.89% | 8.74% | Beats 59% | 693 / 1,681 | ||
| Net Interest Margin | 3.09% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,397 / 1,683 | ||
| Efficiency Ratio | 63.74% | 68.91% | 78.20% | 86.93% | Beats 85% | 261 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,163 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.64% | 10.44% | 12.89% | 16.53% | Beats 75% | 413 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.64% | 10.44% | 12.89% | 16.53% | Beats 75% | 413 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.19% | 52.61% | 69.38% | 83.50% | 48th pctl | 872 / 1,683 | ||
| Loans / Assets | 56.86% | 44.71% | 59.18% | 70.72% | 45th pctl | 922 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||