PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Park

Louisville, KY · Charter 24931

NCUA · 16 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.1BShares
$255.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.40%, down 27 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 2.00% of loans (-18 bps YoY).
  • Capital: net worth / assets of 17.86%, down 60 bps from a year ago.
  • Funding: loans stand at 97.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+62 bps YoY

Efficiency Ratio (YTD, annualized)

66.20%-762 bps YoY

Net Worth / Assets

17.86%-60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.52%0.47%0.54%0.40%-27 bps
Return on Equity3.62%2.83%2.61%3.10%2.26%-136 bps
Net Interest Margin3.07%3.15%3.19%3.53%3.69%+62 bps
Efficiency Ratio73.82%73.13%72.60%63.63%66.20%-762 bps
Growth
Asset Growth (YoY)1.94%5.34%7.12%4.80%4.96%+302 bps
Loan Growth (YoY)4.33%8.33%8.76%7.15%7.47%+314 bps
Share Growth (YoY)-1.54%3.00%6.81%4.82%2.00%+355 bps
Asset Quality
Delinquent Loans / Loans2.18%2.01%2.16%1.70%2.00%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.46%18.21%17.82%17.59%17.86%-60 bps
Net Worth / Assets18.46%18.21%17.82%17.59%17.86%-60 bps
Liquidity & Funding
Loans / Shares92.19%92.98%92.49%90.18%97.13%+494 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps