Louisville, KY · Charter 62358
NCUA · 1 branch
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
88
Asset Quality
9
Profitability
41
Liquidity
0
Efficiency
50
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.
Louisville, KY · Charter 62358
NCUA · 1 branch
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 | 0.37% | 0.38% | 0.49% | 0.56% | 0.59% | 0.61% | 0.74% | 0.60% | +4 bps | |
| Return on Equity | 1.87% | 1.88% | 2.45% | 2.80% | 2.89% | 2.96% | 3.65% | 2.89% | +9 bps | |
| Net Interest Margin | 3.47% | 3.59% | 3.66% | 3.75% | 3.90% | 3.90% | 3.83% | 3.92% | +17 bps | |
| Efficiency Ratio | 74.77% | 74.60% | 73.18% | 73.03% | 73.10% | 74.87% | 77.34% | 78.30% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.37% | 0.13% | -0.54% | 0.60% | -0.25% | 1.20% | 1.76% | -0.50% | -110 bps | |
| Loan Growth (YoY) | 2.40% | -0.57% | -2.89% | -4.03% | -5.47% | -9.25% | -8.02% | -10.99% | -696 bps | |
| Share Growth (YoY) | -3.69% | -0.79% | -1.71% | -0.09% | -1.23% | 1.23% | 1.75% | -2.02% | -193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 2.74% | 2.02% | 2.34% | 2.57% | 2.68% | 2.06% | 2.72% | +38 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 | 19.94% | 20.25% | 20.06% | 20.07% | 20.57% | 20.62% | 20.38% | 20.80% | +73 bps | |
| Net Worth / Assets | 19.94% | 20.25% | 20.06% | 20.07% | 20.57% | 20.62% | 20.38% | 20.80% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.48% | 29.85% | 28.44% | 28.11% | 28.22% | 26.76% | 25.71% | 25.54% | -257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, KY · Charter 62358 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.60%
Rank 1,005 of 1,683
Net Interest Margin
3.92%
Rank 742 of 1,683
Efficiency Ratio
78.28%
Rank 846 of 1,682
Equity / Assets
20.80%
Rank 195 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,005 / 1,683 | ||
| Return on Equity | 2.90% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,227 / 1,681 | ||
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 742 / 1,683 | ||
| Efficiency Ratio | 78.28% | 68.91% | 78.20% | 86.93% | Beats 50% | 846 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.73% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,529 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.80% | 10.44% | 12.89% | 16.53% | Beats 88% | 195 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.80% | 10.44% | 12.89% | 16.53% | Beats 88% | 195 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.54% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,629 / 1,683 | ||
| Loans / Assets | 19.92% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,635 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||