Whitesville, KY · Charter 62432
NCUA · 2 branches
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
45
Asset Quality
16
Profitability
86
Liquidity
15
Efficiency
93
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.
Whitesville, KY · Charter 62432
NCUA · 2 branches
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 | 0.88% | 1.00% | 1.35% | 1.58% | 1.57% | 1.53% | 0.88% | 2.04% | +46 bps | |
| Return on Equity | 8.43% | 9.43% | 12.57% | 14.17% | 13.33% | 12.75% | 7.64% | 16.44% | +228 bps | |
| Net Interest Margin | 3.23% | 3.32% | 3.75% | 3.83% | 4.01% | 4.07% | 4.01% | 4.07% | +24 bps | |
| Efficiency Ratio | 76.41% | 73.81% | 67.72% | 63.75% | 65.40% | 66.58% | 80.73% | 56.13% | -763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.52% | -3.23% | -1.33% | 0.20% | 1.72% | 1.11% | 18.52% | 16.47% | +1,628 bps | |
| Loan Growth (YoY) | 13.73% | 12.98% | 14.08% | 7.33% | 5.60% | 6.07% | 23.67% | 24.29% | +1,696 bps | |
| Share Growth (YoY) | -3.79% | -4.46% | -2.48% | -1.08% | 0.29% | -0.43% | 17.58% | 14.78% | +1,586 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.08% | 0.03% | 0.04% | 0.66% | 0.19% | 0.29% | 1.82% | +178 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 | 10.42% | 10.61% | 10.78% | 11.16% | 11.76% | 12.02% | 11.48% | 12.40% | +124 bps | |
| Net Worth / Assets | 10.42% | 10.61% | 10.78% | 11.16% | 11.76% | 12.02% | 11.48% | 12.40% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.32% | 40.11% | 39.99% | 39.95% | 42.45% | 42.73% | 42.07% | 43.26% | +331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Whitesville, KY · Charter 62432 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.04%
Rank 74 of 1,683
Net Interest Margin
4.08%
Rank 610 of 1,683
Efficiency Ratio
56.10%
Rank 127 of 1,682
Equity / Assets
12.40%
Rank 931 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.04% | 0.35% | 0.74% | 1.18% | Beats 96% | 74 / 1,683 | ||
| Return on Equity | 16.43% | 2.67% | 5.89% | 8.74% | Beats 98% | 30 / 1,681 | ||
| Net Interest Margin | 4.08% | 3.31% | 3.82% | 4.32% | Beats 64% | 610 / 1,683 | ||
| Efficiency Ratio | 56.10% | 68.91% | 78.20% | 86.93% | Beats 93% | 127 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.82% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,415 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.40% | 10.44% | 12.89% | 16.53% | Beats 45% | 931 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.40% | 10.44% | 12.89% | 16.53% | Beats 45% | 931 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.25% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,442 / 1,683 | ||
| Loans / Assets | 37.76% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,414 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||