Ashland, KY · Charter 4366
NCUA · 1 branch
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 | 0.07% | 0.06% | 0.11% | 0.11% | 0.11% | 0.14% | 0.03% | 0.07% | -4 bps | |
| Return on Equity | 0.37% | 0.35% | 0.69% | 0.65% | 0.70% | 0.95% | 0.23% | 0.47% | -18 bps | |
| Net Interest Margin | 2.09% | 1.93% | 1.76% | 1.71% | 1.73% | 1.67% | 1.99% | 1.89% | +18 bps | |
| Efficiency Ratio | 96.74% | 96.82% | 93.55% | 93.75% | 91.25% | 89.48% | 84.85% | 89.58% | -416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.44% | 13.43% | 17.79% | 15.30% | 15.86% | 16.49% | 12.43% | 16.18% | +89 bps | |
| Loan Growth (YoY) | -7.92% | -8.92% | -10.15% | -2.52% | -1.43% | 6.21% | 12.55% | 8.62% | +1,114 bps | |
| Share Growth (YoY) | 9.05% | 16.52% | 21.76% | 18.69% | 19.34% | 20.05% | 14.91% | 19.33% | +64 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.22% | 0.00% | 0.11% | 0.66% | 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 | 0.70% | 0.72% | 0.75% | 0.66% | 0.71% | 0.68% | 0.67% | 0.66% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.11% | 17.63% | 16.40% | 16.42% | 15.73% | 15.27% | 14.71% | 14.25% | -216 bps | |
| Net Worth / Assets | 18.11% | 17.63% | 16.40% | 16.42% | 15.73% | 15.27% | 14.71% | 14.25% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.26% | 81.36% | 71.74% | 75.22% | 72.07% | 71.98% | 70.26% | 68.47% | -675 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |