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Letter portraitLegal landscapeQuarterYTD

Greater Kentucky CU, Inc.

Lexington, KY · Charter 62228

NCUA · 2 branches

Q2 2026

$86.5MAssets
$64.4MLoans
$75.8MShares
$10.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.17%, up 3 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.76% of loans (+28 bps YoY).
  • Capital: net worth / assets of 11.74%, up 60 bps from a year ago.
  • Funding: loans stand at 84.94% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.17%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+26 bps YoY

Efficiency Ratio (YTD, annualized)

92.99%+120 bps YoY

Net Worth / Assets

11.74%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.07%0.16%0.15%0.14%0.16%0.03%0.17%+3 bps
Return on Equity0.88%0.67%1.40%1.34%1.19%1.33%0.22%1.49%+15 bps
Net Interest Margin3.00%3.01%2.67%2.74%2.88%3.12%3.00%3.00%+26 bps
Efficiency Ratio88.74%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 / Loans0.48%0.70%0.50%0.48%0.58%0.93%0.66%0.76%+28 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 Capital11.25%11.19%11.19%11.14%11.53%12.24%11.79%11.74%+60 bps
Net Worth / Assets11.25%11.19%11.19%11.14%11.53%12.24%11.79%11.74%+60 bps
Liquidity & Funding
Loans / Shares89.50%88.31%85.60%84.92%88.18%92.06%83.79%84.94%+2 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps