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 | |