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 | |