Louisville, KY · Charter 62358
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |