PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Louisville Federal

Louisville, KY · Charter 62433

NCUA · 2 branches

Q2 2026

$37.2MAssets
$9.9MLoans
$29.6MShares
$7.5MNet 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 0.53%, down 14 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.84% of loans (+6 bps YoY).
  • Capital: net worth / assets of 20.05%, down 258 bps from a year ago.
  • Funding: loans stand at 33.24% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.53%-14 bps YoY

Net Interest Margin (quarter, annualized)

2.50%-40 bps YoY

Efficiency Ratio (quarter, annualized)

78.90%+416 bps YoY

Net Worth / Assets

20.05%-258 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.59%0.58%0.42%0.53%-14 bps
Return on Equity2.97%2.66%2.60%1.97%2.64%-33 bps
Net Interest Margin2.89%2.82%2.83%2.62%2.50%-40 bps
Efficiency Ratio74.74%75.93%76.29%82.68%78.90%+416 bps
Growth
Asset Growth (YoY)3.49%5.92%5.86%9.78%15.57%+1,208 bps
Loan Growth (YoY)-7.00%-6.67%-11.27%-7.28%-5.14%+186 bps
Share Growth (YoY)4.27%7.32%7.30%12.17%19.81%+1,554 bps
Asset Quality
Delinquent Loans / Loans0.78%0.75%0.76%1.11%0.84%+6 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 Capital22.63%22.29%22.36%21.21%20.05%-258 bps
Net Worth / Assets22.63%22.29%22.36%21.21%20.05%-258 bps
Liquidity & Funding
Loans / Shares41.98%40.58%37.58%35.66%33.24%-874 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps