Lexington, KY · Charter 24165
NCUA · 9 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 | 0.89% | 0.77% | 0.52% | 0.66% | 0.76% | 0.85% | 0.53% | 0.28% | -37 bps | |
| Return on Equity | 8.17% | 7.02% | 4.65% | 5.79% | 6.66% | 7.56% | 4.82% | 2.60% | -319 bps | |
| Net Interest Margin | 3.45% | 3.46% | 3.40% | 3.56% | 3.55% | 3.47% | 3.31% | 3.29% | -28 bps | |
| Efficiency Ratio | 68.88% | 71.52% | 79.68% | 76.02% | 74.27% | 71.03% | 79.75% | 83.55% | +752 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 3.80% | 2.01% | 0.56% | 1.90% | 5.35% | 8.34% | 15.83% | +1,526 bps | |
| Loan Growth (YoY) | 7.34% | 3.88% | 1.54% | 0.83% | 1.94% | 7.97% | 10.66% | 17.43% | +1,661 bps | |
| Share Growth (YoY) | -0.16% | 0.52% | -0.04% | -1.06% | 1.82% | 4.27% | 5.39% | 12.72% | +1,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.73% | 0.69% | 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 | 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 | 10.93% | 10.94% | 11.09% | 11.37% | 11.35% | 11.19% | 11.04% | 10.91% | -47 bps | |
| Net Worth / Assets | 10.93% | 10.94% | 11.09% | 11.37% | 11.35% | 11.19% | 11.04% | 10.91% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.35% | 106.59% | 104.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |