Louisville, KY · Charter 24950
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
100
Profitability
22
Liquidity
3
Efficiency
0
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 24950
NCUA · 2 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 | -40.26% | -61.46% | -27.20% | -8.65% | -18.75% | -13.64% | -14.93% | -16.62% | -797 bps | |
| Return on Equity | -100.63% | -181.55% | -324% | -85.06% | -254% | -176.37% | -327% | -219% | -13,432 bps | |
| Net Interest Margin | 0.08% | 3.72% | 2.17% | 3.48% | 4.08% | 3.05% | 5.10% | 4.19% | +71 bps | |
| Efficiency Ratio | 1824% | 1594% | 882% | 315% | 485% | 475% | 206% | 288% | -2,643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 134.90% | 145.01% | 37.61% | 80.63% | -23.85% | -11.37% | -15,638 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 5948% | 7536% | 367% | 188.46% | n/a | |
| Share Growth (YoY) | n/a | n/a | -5.91% | n/a | 36.15% | 60.25% | 17.87% | 41.45% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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% | 2.00% | 3.20% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 40.01% | 33.85% | 8.39% | 10.17% | 7.39% | 7.74% | 4.57% | 7.58% | -260 bps | |
| Net Worth / Assets | 40.01% | 33.85% | 8.39% | 10.17% | 7.39% | 7.74% | 4.57% | 7.58% | -260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.74% | 0.69% | 11.20% | 19.40% | 32.66% | 32.66% | 44.35% | 39.56% | +2,016 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 24950 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-16.57%
Rank 1,681 of 1,683
Net Interest Margin
4.14%
Rank 561 of 1,683
Efficiency Ratio
292%
Rank 1,678 of 1,682
Equity / Assets
7.59%
Rank 1,648 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -16.57% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,681 / 1,683 | ||
| Return on Equity | -218% | 2.67% | 5.89% | 8.74% | Beats 0% | 1,678 / 1,681 | ||
| Net Interest Margin | 4.14% | 3.31% | 3.82% | 4.32% | Beats 67% | 561 / 1,683 | ||
| Efficiency Ratio | 292% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,678 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.59% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,648 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.59% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,648 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.67% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,501 / 1,683 | ||
| Loans / Assets | 24.74% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,596 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||