Louisville, KY · Charter 62433
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
87
Asset Quality
41
Profitability
21
Liquidity
0
Efficiency
48
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.
Louisville, KY · Charter 62433
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 | 0.52% | 0.53% | 0.74% | 0.67% | 0.59% | 0.58% | 0.42% | 0.53% | -14 bps | |
| Return on Equity | 2.27% | 2.31% | 3.26% | 2.97% | 2.66% | 2.60% | 1.97% | 2.64% | -33 bps | |
| Net Interest Margin | 2.66% | 2.71% | 2.89% | 2.89% | 2.82% | 2.83% | 2.62% | 2.50% | -40 bps | |
| Efficiency Ratio | 79.50% | 78.82% | 76.14% | 74.74% | 75.93% | 76.29% | 82.68% | 78.90% | +416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.98% | -2.76% | 0.22% | 3.49% | 5.92% | 5.86% | 9.78% | 15.57% | +1,208 bps | |
| Loan Growth (YoY) | 6.88% | 0.96% | -3.94% | -7.00% | -6.67% | -11.27% | -7.28% | -5.14% | +186 bps | |
| Share Growth (YoY) | -6.09% | -3.85% | 0.47% | 4.27% | 7.32% | 7.30% | 12.17% | 19.81% | +1,554 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.64% | 0.97% | 0.78% | 0.75% | 0.76% | 1.11% | 0.84% | +6 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 | 23.02% | 23.08% | 22.78% | 22.63% | 22.29% | 22.36% | 21.21% | 20.05% | -258 bps | |
| Net Worth / Assets | 23.02% | 23.08% | 22.78% | 22.63% | 22.29% | 22.36% | 21.21% | 20.05% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.66% | 45.44% | 43.14% | 41.98% | 40.58% | 37.58% | 35.66% | 33.24% | -874 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, KY · Charter 62433 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.53%
Rank 1,090 of 1,683
Net Interest Margin
2.50%
Rank 1,616 of 1,683
Efficiency Ratio
78.98%
Rank 880 of 1,682
Equity / Assets
20.05%
Rank 223 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,090 / 1,683 | ||
| Return on Equity | 2.66% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,266 / 1,681 | ||
| Net Interest Margin | 2.50% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,616 / 1,683 | ||
| Efficiency Ratio | 78.98% | 68.91% | 78.20% | 86.93% | Beats 48% | 880 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 988 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.05% | 10.44% | 12.89% | 16.53% | Beats 87% | 223 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.05% | 10.44% | 12.89% | 16.53% | Beats 87% | 223 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.24% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,573 / 1,683 | ||
| Loans / Assets | 26.50% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,583 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||