PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members Choice

Ashland, KY · Charter 62026

NCUA · 8 branches

Q2 2026

$430.8MAssets
$299.0MLoans
$388.4MShares
$36.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, up 28 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.76% of loans (-10 bps YoY).
  • Capital: net worth / assets of 8.38%, up 28 bps from a year ago.
  • Funding: loans stand at 76.98% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+24 bps YoY

Efficiency Ratio (YTD, annualized)

78.20%-26 bps YoY

Net Worth / Assets

8.38%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.25%0.38%0.36%0.42%0.52%0.65%0.64%+28 bps
Return on Equity2.41%3.08%4.72%4.41%5.09%6.34%7.78%7.59%+318 bps
Net Interest Margin2.68%2.71%3.01%3.04%3.10%3.08%3.21%3.28%+24 bps
Efficiency Ratio77.97%77.42%80.53%78.46%78.44%76.60%80.13%78.20%-26 bps
Growth
Asset Growth (YoY)2.83%1.57%-0.08%1.24%1.62%3.25%5.47%4.88%+364 bps
Loan Growth (YoY)6.12%4.39%3.23%4.58%5.30%5.34%6.50%8.46%+388 bps
Share Growth (YoY)3.34%2.16%-1.19%-0.93%-0.55%0.94%3.36%4.79%+572 bps
Asset Quality
Delinquent Loans / Loans1.24%1.07%1.02%0.85%0.90%0.73%0.62%0.76%-10 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 Capital7.98%8.01%8.15%8.09%8.22%8.22%8.31%8.38%+28 bps
Net Worth / Assets7.98%8.01%8.15%8.09%8.22%8.22%8.31%8.38%+28 bps
Liquidity & Funding
Loans / Shares70.97%73.70%72.98%74.38%75.14%76.91%75.20%76.98%+261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps