Louisville, KY · Charter 60883
NCUA · 3 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
44
Asset Quality
64
Profitability
17
Liquidity
24
Efficiency
22
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 60883
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.75% | 0.61% | -0.36% | 0.03% | -66 bps | |
| Return on Equity | 5.51% | 5.78% | 4.67% | -2.88% | 0.24% | -527 bps | |
| Net Interest Margin | 3.28% | 3.40% | 3.43% | 3.31% | 3.28% | 0 bps | |
| Efficiency Ratio | 84.25% | 84.09% | 85.96% | 88.92% | 88.18% | +393 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.38% | -1.91% | -0.44% | -0.30% | 2.72% | +610 bps | |
| Loan Growth (YoY) | -8.41% | -13.02% | -14.48% | -15.95% | -16.93% | -852 bps | |
| Share Growth (YoY) | -4.11% | -2.45% | 0.52% | -1.15% | 2.52% | +663 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.46% | 1.01% | 0.22% | 0.44% | -31 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.43% | 12.94% | 13.00% | 12.42% | 12.29% | -14 bps | |
| Net Worth / Assets | 12.43% | 12.94% | 13.00% | 12.42% | 12.29% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.99% | 55.64% | 52.89% | 49.44% | 46.17% | -1,081 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, KY · Charter 60883 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.03%
Rank 1,469 of 1,683
Net Interest Margin
3.28%
Rank 1,283 of 1,683
Efficiency Ratio
88.16%
Rank 1,312 of 1,682
Equity / Assets
12.29%
Rank 950 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,469 / 1,683 | |
| Return on Equity | 0.25% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,470 / 1,681 | |
| Net Interest Margin | 3.28% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,283 / 1,683 | |
| Efficiency Ratio | 88.16% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,312 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.26% | 0.65% | 1.29% | Beats 64% | 613 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.29% | 10.44% | 12.89% | 16.53% | Beats 44% | 950 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.29% | 10.44% | 12.89% | 16.53% | Beats 44% | 950 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.17% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,386 / 1,683 | |
| Loans / Assets | 40.32% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,359 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||