Lexington, KY · Charter 62370
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
15
Asset Quality
78
Profitability
32
Liquidity
42
Efficiency
12
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 62370
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 | 0.28% | 0.24% | 0.16% | 0.12% | 0.16% | 0.18% | 0.15% | 0.25% | +13 bps | |
| Return on Equity | 2.89% | 2.52% | 1.75% | 1.30% | 1.78% | 1.84% | 1.57% | 2.60% | +131 bps | |
| Net Interest Margin | 3.48% | 3.58% | 3.37% | 3.47% | 3.49% | 3.70% | 3.63% | 3.84% | +38 bps | |
| Efficiency Ratio | 92.82% | 94.19% | 95.27% | 96.27% | 95.28% | 95.35% | 94.26% | 93.50% | -276 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.74% | -5.21% | -0.72% | 1.22% | 3.44% | 0.67% | 1.47% | -0.55% | -177 bps | |
| Loan Growth (YoY) | 8.46% | 6.97% | 1.05% | -2.93% | -3.56% | 3.09% | -0.62% | -2.42% | +51 bps | |
| Share Growth (YoY) | -2.90% | -5.99% | -1.04% | 1.07% | 3.54% | 0.39% | 1.30% | -1.14% | -221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.17% | 0.47% | 0.31% | 0.28% | 0.54% | 0.67% | 0.22% | -9 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 | 9.54% | 9.66% | 9.32% | 9.38% | 9.27% | 9.67% | 9.24% | 9.53% | +16 bps | |
| Net Worth / Assets | 9.54% | 9.66% | 9.32% | 9.38% | 9.27% | 9.67% | 9.24% | 9.53% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.52% | 56.06% | 53.08% | 52.26% | 50.78% | 57.57% | 52.07% | 51.58% | -68 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 62370 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.25%
Rank 1,350 of 1,683
Net Interest Margin
3.85%
Rank 819 of 1,683
Efficiency Ratio
93.52%
Rank 1,474 of 1,682
Equity / Assets
9.53%
Rank 1,424 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,350 / 1,683 | ||
| Return on Equity | 2.63% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,275 / 1,681 | ||
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 51% | 819 / 1,683 | ||
| Efficiency Ratio | 93.52% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,474 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 363 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.53% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,424 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.53% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,424 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.57% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,290 / 1,683 | ||
| Loans / Assets | 46.32% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,218 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||