PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rural Cooperatives

Louisville, KY · Charter 61693

NCUA · 2 branches

Q4 2025

$33.7MAssets
$10.1MLoans
$29.2MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of -1.08%, down 98 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.25% of loans (-16 bps YoY).
  • Capital: net worth / assets of 11.98%, down 81 bps from a year ago.
  • Funding: loans stand at 34.50% of shares as of Q4 2025.

Return on Assets (YTD, annualized)

-1.08%-98 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+61 bps YoY

Efficiency Ratio (YTD, annualized)

113.96%+1,358 bps YoY

Net Worth / Assets

11.98%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
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 Margin2.76%2.93%3.10%3.16%3.41%3.59%3.67%3.77%+61 bps
Efficiency Ratio110.91%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 / Loans0.45%0.28%0.17%0.41%0.34%0.41%0.60%0.25%-16 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 Capital12.48%12.64%12.85%12.78%12.59%13.00%13.07%11.98%-81 bps
Net Worth / Assets12.48%12.64%12.85%12.78%12.59%13.00%13.07%11.98%-81 bps
Liquidity & Funding
Loans / Shares41.45%41.75%42.61%40.15%37.83%36.77%36.25%34.50%-565 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps