PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lexington Postal Community

Lexington, KY · Charter 62370

NCUA · 1 branch

Q2 2026

$27.2MAssets
$12.6MLoans
$24.4MShares
$2.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.25%, up 13 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.22% of loans (-9 bps YoY).
  • Capital: net worth / assets of 9.53%, up 16 bps from a year ago.
  • Funding: loans stand at 51.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+38 bps YoY

Efficiency Ratio (YTD, annualized)

93.50%-276 bps YoY

Net Worth / Assets

9.53%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.16%0.18%0.15%0.25%+13 bps
Return on Equity1.30%1.78%1.84%1.57%2.60%+131 bps
Net Interest Margin3.47%3.49%3.70%3.63%3.84%+38 bps
Efficiency Ratio96.27%95.28%95.35%94.26%93.50%-276 bps
Growth
Asset Growth (YoY)1.22%3.44%0.67%1.47%-0.55%-177 bps
Loan Growth (YoY)-2.93%-3.56%3.09%-0.62%-2.42%+51 bps
Share Growth (YoY)1.07%3.54%0.39%1.30%-1.14%-221 bps
Asset Quality
Delinquent Loans / Loans0.31%0.28%0.54%0.67%0.22%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.38%9.27%9.67%9.24%9.53%+16 bps
Net Worth / Assets9.38%9.27%9.67%9.24%9.53%+16 bps
Liquidity & Funding
Loans / Shares52.26%50.78%57.57%52.07%51.58%-68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps