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Young Community

Louisville, KY · Charter 24950

NCUA · 2 branches

Q2 2026

$869KAssets
$215KLoans
$542KShares
$66KNet 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 -16.62%, down 797 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.58%, down 260 bps from a year ago.
  • Funding: loans stand at 39.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-16.62%-797 bps YoY

Net Interest Margin (quarter, annualized)

4.19%+71 bps YoY

Efficiency Ratio (quarter, annualized)

288%-2,643 bps YoY

Net Worth / Assets

7.58%-260 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-8.65%-18.75%-13.64%-14.93%-16.62%-797 bps
Return on Equity-85.06%-254%-176.37%-327%-219%-13,432 bps
Net Interest Margin3.48%4.08%3.05%5.10%4.19%+71 bps
Efficiency Ratio315%485%475%206%288%-2,643 bps
Growth
Asset Growth (YoY)145.01%37.61%80.63%-23.85%-11.37%-15,638 bps
Loan Growth (YoY)n/a5948%7536%367%188.46%n/a
Share Growth (YoY)n/a36.15%60.25%17.87%41.45%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%2.00%3.20%0.00%0 bps
Capital
Risk-Based Capital10.17%7.39%7.74%4.57%7.58%-260 bps
Net Worth / Assets10.17%7.39%7.74%4.57%7.58%-260 bps
Liquidity & Funding
Loans / Shares19.40%32.66%32.66%44.35%39.56%+2,016 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps