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Whitesville Community

Whitesville, KY · Charter 62432

NCUA · 2 branches

Q2 2026

$39.5MAssets
$14.9MLoans
$34.4MShares
$4.9MNet 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 2.04%, up 46 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.82% of loans (+178 bps YoY).
  • Capital: net worth / assets of 12.40%, up 124 bps from a year ago.
  • Funding: loans stand at 43.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.04%+46 bps YoY

Net Interest Margin (quarter, annualized)

4.07%+24 bps YoY

Efficiency Ratio (quarter, annualized)

56.13%-763 bps YoY

Net Worth / Assets

12.40%+124 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.57%1.53%0.88%2.04%+46 bps
Return on Equity14.17%13.33%12.75%7.64%16.44%+228 bps
Net Interest Margin3.83%4.01%4.07%4.01%4.07%+24 bps
Efficiency Ratio63.75%65.40%66.58%80.73%56.13%-763 bps
Growth
Asset Growth (YoY)0.20%1.72%1.11%18.52%16.47%+1,628 bps
Loan Growth (YoY)7.33%5.60%6.07%23.67%24.29%+1,696 bps
Share Growth (YoY)-1.08%0.29%-0.43%17.58%14.78%+1,586 bps
Asset Quality
Delinquent Loans / Loans0.04%0.66%0.19%0.29%1.82%+178 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 Capital11.16%11.76%12.02%11.48%12.40%+124 bps
Net Worth / Assets11.16%11.76%12.02%11.48%12.40%+124 bps
Liquidity & Funding
Loans / Shares39.95%42.45%42.73%42.07%43.26%+331 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps