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Louisville Gas and Electric Company

Louisville, KY · Charter 61123

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Louisville Gas and Electric Company

Louisville, KY · Charter 61123

NCUA · 1 branch

Q2 2026

$50.4MAssets
$22.8MLoans
$42.6MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, down 13 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.87% of loans (+52 bps YoY).
  • Capital: net worth / assets of 15.48%, down 35 bps from a year ago.
  • Funding: loans stand at 53.62% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.73%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+3 bps YoY

Efficiency Ratio (YTD, annualized)

75.63%+409 bps YoY

Net Worth / Assets

15.48%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.90%0.98%0.86%0.78%0.66%0.82%0.73%-13 bps
Return on Equity6.16%5.70%6.21%5.42%4.95%4.14%5.26%4.74%-69 bps
Net Interest Margin2.88%2.84%2.79%2.74%2.69%2.71%2.74%2.77%+3 bps
Efficiency Ratio69.95%71.78%68.25%71.54%73.52%77.51%73.24%75.63%+409 bps
Growth
Asset Growth (YoY)0.54%2.73%1.82%3.58%5.77%3.30%5.97%6.01%+242 bps
Loan Growth (YoY)-1.85%-8.61%-8.14%-9.63%-11.43%-11.64%-9.83%-7.40%+222 bps
Share Growth (YoY)-0.24%2.10%1.07%3.28%5.95%2.80%6.40%6.40%+312 bps
Asset Quality
Delinquent Loans / Loans0.18%0.16%0.16%0.35%0.46%0.96%0.98%0.87%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.87%15.83%15.85%15.83%15.71%15.93%15.52%15.48%-35 bps
Net Worth / Assets15.87%15.83%15.85%15.83%15.71%15.93%15.52%15.48%-35 bps
Liquidity & Funding
Loans / Shares69.32%67.45%64.72%61.61%57.96%57.97%54.85%53.62%-799 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Louisville Gas and Electric Company

Louisville, KY · Charter 61123 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 1 branch

Q2 2026

$50.4MAssets
$22.8MLoans
$42.6MShares
$7.8MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 63% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 23 of 60).
  • Widest gap: net interest margin trails 93% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 56 of 60).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.73%

Rank 27 of 60

Net Interest Margin

2.77%

Rank 56 of 60

Efficiency Ratio

75.71%

Rank 23 of 60

Equity / Assets

15.47%

Rank 27 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.73%0.02%0.62%0.99%Beats 55%27 / 60
Return on Equity4.74%0.12%4.17%8.32%Beats 53%28 / 60
Net Interest Margin2.77%3.36%3.95%4.45%Beats 7%56 / 60
Efficiency Ratio75.71%70.09%78.52%92.77%Beats 63%23 / 60
Asset Quality
Nonperforming Loans / Loans0.87%0.25%0.82%1.91%Beats 47%33 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.47%11.15%14.35%19.86%Beats 55%27 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.47%11.15%14.35%19.86%Beats 55%27 / 60
Liquidity & Funding
Loans / Deposits53.62%51.31%60.45%81.20%30th pctl42 / 60
Loans / Assets45.28%41.11%52.43%68.66%33rd pctl40 / 60
Brokered Deposits / Depositsn/aNot reported for this institution