Louisville, KY · Charter 62482
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
86
Asset Quality
17
Profitability
44
Liquidity
87
Efficiency
74
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 62482
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 | 1.79% | 1.65% | 0.67% | 0.72% | 0.77% | 0.74% | 0.32% | 0.53% | -20 bps | |
| Return on Equity | 10.02% | 8.99% | 3.71% | 4.03% | 4.26% | 3.94% | 1.64% | 2.68% | -135 bps | |
| Net Interest Margin | 4.83% | 4.90% | 4.39% | 4.24% | 4.19% | 4.31% | 4.27% | 4.23% | -1 bps | |
| Efficiency Ratio | 56.17% | 56.22% | 65.28% | 64.06% | 64.30% | 65.34% | 71.56% | 69.14% | +509 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.46% | 0.57% | 6.16% | 5.44% | 4.11% | 2.34% | -4.92% | -5.49% | -1,093 bps | |
| Loan Growth (YoY) | -5.14% | -3.76% | -4.09% | -12.29% | -11.61% | -10.71% | -10.83% | -9.23% | +306 bps | |
| Share Growth (YoY) | 0.06% | -1.41% | 5.60% | 5.48% | 3.94% | 2.04% | -6.14% | -6.99% | -1,247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.58% | 1.26% | 0.91% | 1.33% | 1.79% | 1.68% | 1.71% | +80 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 | 17.88% | 18.40% | 17.97% | 17.93% | 18.03% | 18.72% | 19.58% | 19.62% | +169 bps | |
| Net Worth / Assets | 17.88% | 18.40% | 17.97% | 17.93% | 18.03% | 18.72% | 19.58% | 19.62% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.15% | 86.28% | 78.57% | 74.06% | 71.56% | 75.50% | 74.64% | 72.27% | -178 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 62482 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.53%
Rank 1,094 of 1,683
Net Interest Margin
4.23%
Rank 482 of 1,683
Efficiency Ratio
69.21%
Rank 431 of 1,682
Equity / Assets
19.62%
Rank 242 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% | 1,094 / 1,683 | ||
| Return on Equity | 2.70% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,257 / 1,681 | ||
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 482 / 1,683 | ||
| Efficiency Ratio | 69.21% | 68.91% | 78.20% | 86.93% | Beats 74% | 431 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.71% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,390 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.62% | 10.44% | 12.89% | 16.53% | Beats 86% | 242 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.62% | 10.44% | 12.89% | 16.53% | Beats 86% | 242 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.28% | 52.61% | 69.38% | 83.50% | 55th pctl | 752 / 1,683 | ||
| Loans / Assets | 57.46% | 44.71% | 59.18% | 70.72% | 46th pctl | 903 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||