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 | |