Paducah, KY · Charter 23949
NCUA · 5 branches
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 | 0.88% | 0.83% | 0.82% | 1.17% | 1.13% | +25 bps | |
| Return on Equity | 5.28% | 4.84% | 4.83% | 7.01% | 6.79% | +152 bps | |
| Net Interest Margin | 2.84% | 2.82% | 2.76% | 3.13% | 3.09% | +25 bps | |
| Efficiency Ratio | 69.39% | 69.91% | 69.85% | 63.99% | 63.73% | -566 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.36% | 3.70% | 4.86% | 5.33% | 6.24% | -112 bps | |
| Loan Growth (YoY) | 5.63% | 6.79% | 8.37% | 7.33% | 5.29% | -33 bps | |
| Share Growth (YoY) | 6.91% | 3.24% | 4.67% | 5.78% | 7.21% | +30 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.69% | 17.19% | 17.08% | 16.72% | 16.64% | -5 bps | |
| Net Worth / Assets | 16.69% | 17.19% | 17.08% | 16.72% | 16.64% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |