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 | |