Lexington, KY · Charter 62228
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
45
Profitability
16
Liquidity
32
Efficiency
13
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.
Lexington, KY · Charter 62228
NCUA · 2 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 | 0.10% | 0.07% | 0.16% | 0.15% | 0.14% | 0.16% | 0.03% | 0.17% | +3 bps | |
| Return on Equity | 0.88% | 0.67% | 1.40% | 1.34% | 1.19% | 1.33% | 0.22% | 1.49% | +15 bps | |
| Net Interest Margin | 3.00% | 3.01% | 2.67% | 2.74% | 2.88% | 3.12% | 3.00% | 3.00% | +26 bps | |
| Efficiency Ratio | 88.74% | 88.33% | 94.90% | 91.78% | 90.96% | 91.84% | 98.24% | 92.99% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.93% | -5.18% | -3.44% | -3.27% | -2.59% | -8.40% | -5.09% | -4.80% | -153 bps | |
| Loan Growth (YoY) | -1.49% | -3.13% | -9.95% | -8.14% | -4.66% | -5.77% | -7.92% | -5.47% | +267 bps | |
| Share Growth (YoY) | -3.48% | -2.30% | -0.66% | -0.62% | -3.23% | -9.61% | -5.94% | -5.49% | -487 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.70% | 0.50% | 0.48% | 0.58% | 0.93% | 0.66% | 0.76% | +28 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 | 11.25% | 11.19% | 11.19% | 11.14% | 11.53% | 12.24% | 11.79% | 11.74% | +60 bps | |
| Net Worth / Assets | 11.25% | 11.19% | 11.19% | 11.14% | 11.53% | 12.24% | 11.79% | 11.74% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.50% | 88.31% | 85.60% | 84.92% | 88.18% | 92.06% | 83.79% | 84.94% | +2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lexington, KY · Charter 62228 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.17%
Rank 1,404 of 1,683
Net Interest Margin
3.00%
Rank 1,459 of 1,683
Efficiency Ratio
92.98%
Rank 1,459 of 1,682
Equity / Assets
11.74%
Rank 1,033 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,404 / 1,683 | ||
| Return on Equity | 1.48% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,386 / 1,681 | ||
| Net Interest Margin | 3.00% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,459 / 1,683 | ||
| Efficiency Ratio | 92.98% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,459 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.26% | 0.65% | 1.29% | Beats 45% | 934 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.74% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,033 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.74% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,033 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.94% | 52.61% | 69.38% | 83.50% | 78th pctl | 376 / 1,683 | ||
| Loans / Assets | 74.41% | 44.71% | 59.18% | 70.72% | 82nd pctl | 301 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||