Louisville, KY · Charter 61123
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 | 0.98% | 0.90% | 0.98% | 0.86% | 0.78% | 0.66% | 0.82% | 0.73% | -13 bps | |
| Return on Equity | 6.16% | 5.70% | 6.21% | 5.42% | 4.95% | 4.14% | 5.26% | 4.74% | -69 bps | |
| Net Interest Margin | 2.88% | 2.84% | 2.79% | 2.74% | 2.69% | 2.71% | 2.74% | 2.77% | +3 bps | |
| Efficiency Ratio | 69.95% | 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 / Loans | 0.18% | 0.16% | 0.16% | 0.35% | 0.46% | 0.96% | 0.98% | 0.87% | +52 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 | 15.87% | 15.83% | 15.85% | 15.83% | 15.71% | 15.93% | 15.52% | 15.48% | -35 bps | |
| Net Worth / Assets | 15.87% | 15.83% | 15.85% | 15.83% | 15.71% | 15.93% | 15.52% | 15.48% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.32% | 67.45% | 64.72% | 61.61% | 57.96% | 57.97% | 54.85% | 53.62% | -799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |