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

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.

Return on Assets (quarter, annualized)

0.25%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+38 bps YoY

Efficiency Ratio (quarter, annualized)

93.50%-276 bps YoY

Net Worth / Assets

9.53%+16 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.24%0.16%0.12%0.16%0.18%0.15%0.25%+13 bps
Return on Equity2.89%2.52%1.75%1.30%1.78%1.84%1.57%2.60%+131 bps
Net Interest Margin3.48%3.58%3.37%3.47%3.49%3.70%3.63%3.84%+38 bps
Efficiency Ratio92.82%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 / Loans0.20%0.17%0.47%0.31%0.28%0.54%0.67%0.22%-9 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 Capital9.54%9.66%9.32%9.38%9.27%9.67%9.24%9.53%+16 bps
Net Worth / Assets9.54%9.66%9.32%9.38%9.27%9.67%9.24%9.53%+16 bps
Liquidity & Funding
Loans / Shares54.52%56.06%53.08%52.26%50.78%57.57%52.07%51.58%-68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps