Louisville, KY · Charter 24931
NCUA · 16 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
97
Asset Quality
4
Profitability
32
Liquidity
37
Efficiency
72
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.
Louisville, KY · Charter 24931
NCUA · 16 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.22% | 0.69% | 0.67% | 0.52% | 0.47% | 0.54% | 0.40% | -27 bps | |
| Return on Equity | 1.56% | 1.18% | 3.83% | 3.62% | 2.83% | 2.61% | 3.10% | 2.26% | -136 bps | |
| Net Interest Margin | 2.76% | 2.80% | 2.92% | 3.07% | 3.15% | 3.19% | 3.53% | 3.69% | +62 bps | |
| Efficiency Ratio | 84.55% | 85.58% | 74.87% | 73.82% | 73.13% | 72.60% | 63.63% | 66.20% | -762 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.73% | -0.72% | 1.60% | 1.94% | 5.34% | 7.12% | 4.80% | 4.96% | +302 bps | |
| Loan Growth (YoY) | -0.28% | 0.05% | 2.33% | 4.33% | 8.33% | 8.76% | 7.15% | 7.47% | +314 bps | |
| Share Growth (YoY) | -5.60% | -1.13% | -1.37% | -1.54% | 3.00% | 6.81% | 4.82% | 2.00% | +355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.85% | 1.46% | 2.18% | 2.01% | 2.16% | 1.70% | 2.00% | -18 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 | 18.81% | 18.70% | 18.07% | 18.46% | 18.21% | 17.82% | 17.59% | 17.86% | -60 bps | |
| Net Worth / Assets | 18.81% | 18.70% | 18.07% | 18.46% | 18.21% | 17.82% | 17.59% | 17.86% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.40% | 90.83% | 88.22% | 92.19% | 92.98% | 92.49% | 90.18% | 97.13% | +494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, KY · Charter 24931 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.40%
Rank 368 of 435
Net Interest Margin
3.69%
Rank 123 of 435
Efficiency Ratio
66.20%
Rank 121 of 435
Equity / Assets
17.86%
Rank 12 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.55% | 0.81% | 1.14% | Beats 15% | 368 / 435 | ||
| Return on Equity | 2.26% | 5.12% | 7.41% | 9.70% | Beats 8% | 402 / 435 | ||
| Net Interest Margin | 3.69% | 3.01% | 3.39% | 3.75% | Beats 72% | 123 / 435 | ||
| Efficiency Ratio | 66.20% | 65.25% | 71.39% | 77.86% | Beats 72% | 121 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.00% | 0.45% | 0.69% | 1.05% | Beats 4% | 419 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.86% | 9.81% | 10.84% | 12.63% | Beats 97% | 12 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.86% | 9.81% | 10.84% | 12.63% | Beats 97% | 12 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.13% | 78.33% | 88.38% | 95.61% | 79th pctl | 93 / 435 | ||
| Loans / Assets | 75.98% | 67.69% | 74.58% | 80.80% | 55th pctl | 194 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||