Louisville, KY · Charter 61693
NCUA · 2 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | 0.14% | 0.26% | 0.23% | -1.08% | -98 bps | |
| Return on Equity | -0.74% | 1.09% | 2.03% | 1.78% | -9.00% | -827 bps | |
| Net Interest Margin | 3.16% | 3.41% | 3.59% | 3.67% | 3.77% | +61 bps | |
| Efficiency Ratio | 100.38% | 94.20% | 93.59% | 94.62% | 113.96% | +1,358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.12% | -0.31% | -1.34% | -0.22% | -2.09% | +2 bps | |
| Loan Growth (YoY) | -7.62% | -9.09% | -13.08% | -15.41% | -16.15% | -853 bps | |
| Share Growth (YoY) | -1.75% | -0.39% | -1.32% | -0.57% | -2.41% | -65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.78% | 12.59% | 13.00% | 13.07% | 11.98% | -81 bps | |
| Net Worth / Assets | 12.78% | 12.59% | 13.00% | 13.07% | 11.98% | -81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |