PackageTrendsPeer
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Kemba Louisville

Louisville, KY · Charter 62358

NCUA · 1 branch

Q2 2026

$59.3MAssets
$11.8MLoans
$46.3MShares
$12.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.60%, up 4 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 2.72% of loans (+38 bps YoY).
  • Capital: net worth / assets of 20.80%, up 73 bps from a year ago.
  • Funding: loans stand at 25.54% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.60%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+17 bps YoY

Efficiency Ratio (YTD, annualized)

78.30%+528 bps YoY

Net Worth / Assets

20.80%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.38%0.49%0.56%0.59%0.61%0.74%0.60%+4 bps
Return on Equity1.87%1.88%2.45%2.80%2.89%2.96%3.65%2.89%+9 bps
Net Interest Margin3.47%3.59%3.66%3.75%3.90%3.90%3.83%3.92%+17 bps
Efficiency Ratio74.77%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 / Loans3.76%2.74%2.02%2.34%2.57%2.68%2.06%2.72%+38 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 Capital19.94%20.25%20.06%20.07%20.57%20.62%20.38%20.80%+73 bps
Net Worth / Assets19.94%20.25%20.06%20.07%20.57%20.62%20.38%20.80%+73 bps
Liquidity & Funding
Loans / Shares29.48%29.85%28.44%28.11%28.22%26.76%25.71%25.54%-257 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps