Whitesville, KY · Charter 62432
NCUA · 2 branches
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 | 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 | |