Louisville, KY · Charter 61693
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Trailing 9 quarters, through Q4 2025
Capital
41
Asset Quality
77
Profitability
18
Liquidity
0
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Louisville, KY · Charter 61693
NCUA · 2 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -0.31% | -0.15% | -0.09% | 0.14% | 0.26% | 0.23% | -1.08% | -98 bps | |
| Return on Equity | -4.13% | -2.47% | -1.20% | -0.74% | 1.09% | 2.03% | 1.78% | -9.00% | -827 bps | |
| Net Interest Margin | 2.76% | 2.93% | 3.10% | 3.16% | 3.41% | 3.59% | 3.67% | 3.77% | +61 bps | |
| Efficiency Ratio | 110.91% | 105.91% | 101.52% | 100.38% | 94.20% | 93.59% | 94.62% | 113.96% | +1,358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.75% | -8.58% | -6.01% | -2.12% | -0.31% | -1.34% | -0.22% | -2.09% | +2 bps | |
| Loan Growth (YoY) | -4.88% | -4.57% | -5.31% | -7.62% | -9.09% | -13.08% | -15.41% | -16.15% | -853 bps | |
| Share Growth (YoY) | -10.18% | -9.60% | -5.56% | -1.75% | -0.39% | -1.32% | -0.57% | -2.41% | -65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.28% | 0.17% | 0.41% | 0.34% | 0.41% | 0.60% | 0.25% | -16 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 | 12.48% | 12.64% | 12.85% | 12.78% | 12.59% | 13.00% | 13.07% | 11.98% | -81 bps | |
| Net Worth / Assets | 12.48% | 12.64% | 12.85% | 12.78% | 12.59% | 13.00% | 13.07% | 11.98% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.45% | 41.75% | 42.61% | 40.15% | 37.83% | 36.77% | 36.25% | 34.50% | -565 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, KY · Charter 61693 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 2 branches
Q4 2025
Return on Assets
-1.08%
Rank 1,575 of 1,625
Net Interest Margin
3.77%
Rank 829 of 1,625
Efficiency Ratio
113.95%
Rank 1,575 of 1,622
Equity / Assets
11.98%
Rank 959 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.08% | 0.37% | 0.76% | 1.21% | Beats 3% | 1,575 / 1,625 | ||
| Return on Equity | -8.99% | 2.80% | 6.06% | 8.96% | Beats 3% | 1,572 / 1,623 | ||
| Net Interest Margin | 3.77% | 3.25% | 3.80% | 4.36% | Beats 49% | 829 / 1,625 | ||
| Efficiency Ratio | 113.95% | 68.56% | 77.08% | 85.11% | Beats 3% | 1,575 / 1,622 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.28% | 0.70% | 1.35% | Beats 77% | 379 / 1,623 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.98% | 10.44% | 12.79% | 16.54% | Beats 41% | 960 / 1,625 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.98% | 10.44% | 12.79% | 16.54% | Beats 41% | 959 / 1,624 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 34.50% | 54.72% | 71.33% | 84.54% | 6th pctl | 1,520 / 1,624 | ||
| Loans / Assets | 29.87% | 46.04% | 60.45% | 71.73% | 7th pctl | 1,510 / 1,624 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||