Frankfort, KY · Charter 62431
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 | 1.11% | 1.02% | 0.97% | 0.78% | 0.73% | 0.70% | 0.80% | 0.82% | +4 bps | |
| Return on Equity | 10.06% | 9.13% | 8.79% | 7.11% | 6.78% | 6.44% | 7.45% | 7.57% | +46 bps | |
| Net Interest Margin | 4.01% | 4.02% | 3.35% | 3.33% | 3.42% | 3.55% | 3.69% | 3.84% | +51 bps | |
| Efficiency Ratio | 79.34% | 80.14% | 79.14% | 82.20% | 82.51% | 81.60% | 77.73% | 76.84% | -536 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 6.16% | 5.36% | 7.34% | 10.32% | 9.61% | 8.90% | 8.67% | +133 bps | |
| Loan Growth (YoY) | 1.17% | -0.63% | 0.91% | 5.46% | 10.83% | 10.12% | 12.62% | 14.09% | +863 bps | |
| Share Growth (YoY) | 7.16% | 8.38% | 6.74% | 7.12% | 11.14% | 10.22% | 9.87% | 8.98% | +186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.55% | 0.52% | 0.89% | 0.68% | 0.72% | 0.69% | 0.77% | -12 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 | 11.07% | 11.13% | 11.01% | 11.02% | 10.76% | 10.86% | 10.77% | 10.86% | -15 bps | |
| Net Worth / Assets | 11.07% | 11.13% | 11.01% | 11.02% | 10.76% | 10.86% | 10.77% | 10.86% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.49% | 86.43% | 84.71% | 85.05% | 85.26% | 86.36% | 86.83% | 89.04% | +399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |