Louisville, KY · Charter 60883
NCUA · 3 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 | 0.38% | 0.52% | 0.70% | 0.68% | 0.75% | 0.61% | -0.36% | 0.03% | -66 bps | |
| Return on Equity | 3.20% | 4.22% | 5.75% | 5.51% | 5.78% | 4.67% | -2.88% | 0.24% | -527 bps | |
| Net Interest Margin | 3.05% | 3.17% | 3.16% | 3.28% | 3.40% | 3.43% | 3.31% | 3.28% | 0 bps | |
| Efficiency Ratio | 89.53% | 88.16% | 84.81% | 84.25% | 84.09% | 85.96% | 88.92% | 88.18% | +393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | -8.69% | -5.62% | -3.38% | -1.91% | -0.44% | -0.30% | 2.72% | +610 bps | |
| Loan Growth (YoY) | 9.44% | 1.20% | -6.02% | -8.41% | -13.02% | -14.48% | -15.95% | -16.93% | -852 bps | |
| Share Growth (YoY) | -8.65% | -6.76% | -6.71% | -4.11% | -2.45% | 0.52% | -1.15% | 2.52% | +663 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.58% | 0.66% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.99% | 12.41% | 12.14% | 12.43% | 12.94% | 13.00% | 12.42% | 12.29% | -14 bps | |
| Net Worth / Assets | 11.99% | 12.41% | 12.14% | 12.43% | 12.94% | 13.00% | 12.42% | 12.29% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.40% | 62.17% | 58.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |