Louisville, KY · Charter 62482
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.77% | 0.74% | 0.32% | 0.53% | -20 bps | |
| Return on Equity | 4.03% | 4.26% | 3.94% | 1.64% | 2.68% | -135 bps | |
| Net Interest Margin | 4.24% | 4.19% | 4.31% | 4.27% | 4.23% | -1 bps | |
| Efficiency Ratio | 64.06% | 64.30% | 65.34% | 71.56% | 69.14% | +509 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.44% | 4.11% | 2.34% | -4.92% | -5.49% | -1,093 bps | |
| Loan Growth (YoY) | -12.29% | -11.61% | -10.71% | -10.83% | -9.23% | +306 bps | |
| Share Growth (YoY) | 5.48% | 3.94% | 2.04% | -6.14% | -6.99% | -1,247 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.93% | 18.03% | 18.72% | 19.58% | 19.62% | +169 bps | |
| Net Worth / Assets | 17.93% | 18.03% | 18.72% | 19.58% | 19.62% | +169 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |