Paducah, KY · Charter 23949
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |