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Louisville Gas and Electric Company

Louisville, KY · Charter 61123

NCUA · 1 branch

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.78%0.66%0.82%0.73%-13 bps
Return on Equity5.42%4.95%4.14%5.26%4.74%-69 bps
Net Interest Margin2.74%2.69%2.71%2.74%2.77%+3 bps
Efficiency Ratio71.54%73.52%77.51%73.24%75.63%+409 bps
Growth
Asset Growth (YoY)3.58%5.77%3.30%5.97%6.01%+242 bps
Loan Growth (YoY)-9.63%-11.43%-11.64%-9.83%-7.40%+222 bps
Share Growth (YoY)3.28%5.95%2.80%6.40%6.40%+312 bps
Asset Quality
Delinquent Loans / Loans0.35%0.46%0.96%0.98%0.87%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.83%15.71%15.93%15.52%15.48%-35 bps
Net Worth / Assets15.83%15.71%15.93%15.52%15.48%-35 bps
Liquidity & Funding
Loans / Shares61.61%57.96%57.97%54.85%53.62%-799 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps