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 | |