Lexington, KY · Charter 24165
NCUA · 9 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
29
Profitability
20
Liquidity
0
Efficiency
9
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.
Lexington, KY · Charter 24165
NCUA · 9 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 | 0.66% | 0.76% | 0.85% | 0.53% | 0.28% | -37 bps | |
| Return on Equity | 5.79% | 6.66% | 7.56% | 4.82% | 2.60% | -319 bps | |
| Net Interest Margin | 3.56% | 3.55% | 3.47% | 3.31% | 3.29% | -28 bps | |
| Efficiency Ratio | 76.02% | 74.27% | 71.03% | 79.75% | 83.55% | +752 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.56% | 1.90% | 5.35% | 8.34% | 15.83% | +1,526 bps | |
| Loan Growth (YoY) | 0.83% | 1.94% | 7.97% | 10.66% | 17.43% | +1,661 bps | |
| Share Growth (YoY) | -1.06% | 1.82% | 4.27% | 5.39% | 12.72% | +1,377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 1.03% | 0.85% | 0.89% | 0.97% | +26 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 | 11.37% | 11.35% | 11.19% | 11.04% | 10.91% | -47 bps | |
| Net Worth / Assets | 11.37% | 11.35% | 11.19% | 11.04% | 10.91% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.15% | 107.48% | 110.37% | 109.34% | 110.59% | +444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lexington, KY · Charter 24165 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
0.28%
Rank 396 of 435
Net Interest Margin
3.29%
Rank 250 of 435
Efficiency Ratio
83.55%
Rank 395 of 435
Equity / Assets
10.91%
Rank 212 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.55% | 0.81% | 1.14% | Beats 9% | 396 / 435 | |
| Return on Equity | 2.60% | 5.12% | 7.41% | 9.70% | Beats 9% | 394 / 435 | |
| Net Interest Margin | 3.29% | 3.01% | 3.39% | 3.75% | Beats 43% | 250 / 435 | |
| Efficiency Ratio | 83.55% | 65.25% | 71.39% | 77.86% | Beats 9% | 395 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.97% | 0.45% | 0.69% | 1.05% | Beats 29% | 309 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.91% | 9.81% | 10.84% | 12.63% | Beats 51% | 212 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.91% | 9.81% | 10.84% | 12.63% | Beats 51% | 212 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.59% | 78.33% | 88.38% | 95.61% | 98th pctl | 7 / 435 | |
| Loans / Assets | 85.52% | 67.69% | 74.58% | 80.80% | 91st pctl | 38 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||