Ashland, KY · Charter 62026
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the Huntington-Ashland, WV-KY-OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
75
Profitability
50
Liquidity
12
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ashland, KY · Charter 62026
NCUA · 8 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.42% | 0.52% | 0.65% | 0.64% | +28 bps | |
| Return on Equity | 4.41% | 5.09% | 6.34% | 7.78% | 7.59% | +318 bps | |
| Net Interest Margin | 3.04% | 3.10% | 3.08% | 3.21% | 3.28% | +24 bps | |
| Efficiency Ratio | 78.46% | 78.44% | 76.60% | 80.13% | 78.20% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.24% | 1.62% | 3.25% | 5.47% | 4.88% | +364 bps | |
| Loan Growth (YoY) | 4.58% | 5.30% | 5.34% | 6.50% | 8.46% | +388 bps | |
| Share Growth (YoY) | -0.93% | -0.55% | 0.94% | 3.36% | 4.79% | +572 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.90% | 0.73% | 0.62% | 0.76% | -10 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 | 8.09% | 8.22% | 8.22% | 8.31% | 8.38% | +28 bps | |
| Net Worth / Assets | 8.09% | 8.22% | 8.22% | 8.31% | 8.38% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.38% | 75.14% | 76.91% | 75.20% | 76.98% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ashland, KY · Charter 62026 · Peer group: credit unions under $1B in assets in the Huntington-Ashland, WV-KY-OH area (n=16)
NCUA · 8 branches
Q2 2026
Return on Assets
0.64%
Rank 8 of 16
Net Interest Margin
3.28%
Rank 11 of 16
Efficiency Ratio
78.21%
Rank 10 of 16
Equity / Assets
8.38%
Rank 16 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.26% | 0.64% | 1.04% | Beats 50% | 8 / 16 | |
| Return on Equity | 7.59% | 2.11% | 6.23% | 8.05% | Beats 69% | 5 / 16 | |
| Net Interest Margin | 3.28% | 3.27% | 3.61% | 4.55% | Beats 31% | 11 / 16 | |
| Efficiency Ratio | 78.21% | 73.53% | 78.18% | 86.56% | Beats 44% | 10 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.76% | 0.76% | 1.98% | 4.44% | Beats 75% | 5 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.38% | 11.13% | 12.88% | 16.82% | Beats 0% | 16 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.38% | 11.13% | 12.88% | 16.82% | Beats 0% | 16 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.98% | 50.42% | 58.02% | 68.47% | 81st pctl | 3 / 16 | |
| Loans / Assets | 69.40% | 44.10% | 51.06% | 58.46% | 88th pctl | 2 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||