Ashland, KY · Charter 61792
NCUA · 5 branches
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 | 0.25% | 0.25% | 0.56% | 1.10% | 0.83% | 0.74% | 0.25% | 0.26% | -84 bps | |
| Return on Equity | 2.13% | 2.18% | 4.82% | 9.11% | 6.83% | 6.05% | 2.08% | 2.11% | -701 bps | |
| Net Interest Margin | 2.94% | 2.96% | 3.09% | 3.17% | 3.22% | 3.26% | 3.28% | 3.27% | +10 bps | |
| Efficiency Ratio | 84.01% | 83.48% | 78.75% | 69.88% | 72.73% | 73.67% | 79.72% | 80.35% | +1,047 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.59% | 7.36% | 4.32% | 3.15% | 1.68% | 1.18% | 1.03% | 0.56% | -259 bps | |
| Loan Growth (YoY) | 1.90% | 1.39% | -0.29% | -0.90% | -2.22% | -1.36% | -1.44% | 0.83% | +173 bps | |
| Share Growth (YoY) | 9.72% | 9.11% | 5.13% | 3.02% | 1.39% | 0.48% | 0.71% | 0.67% | -235 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.34% | 1.18% | 1.19% | 1.50% | 1.48% | 1.50% | 1.29% | +9 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 | 11.64% | 11.64% | 11.66% | 12.04% | 12.11% | 12.22% | 12.18% | 12.26% | +23 bps | |
| Net Worth / Assets | 11.64% | 11.64% | 11.66% | 12.04% | 12.11% | 12.22% | 12.18% | 12.26% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.78% | 83.87% | 81.86% | 81.90% | 81.76% | 82.33% | 80.11% | 82.03% | +13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |