Bowling Green, KY · Charter 62484
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.21% | 0.18% | 0.29% | 0.52% | 0.73% | 0.41% | 0.41% | +11 bps | |
| Return on Equity | 2.47% | 2.43% | 2.02% | 3.32% | 5.84% | 7.74% | 4.38% | 4.27% | +95 bps | |
| Net Interest Margin | 3.36% | 3.42% | 3.39% | 3.47% | 3.51% | 3.68% | 3.52% | 3.61% | +14 bps | |
| Efficiency Ratio | 88.01% | 88.57% | 92.98% | 90.97% | 85.98% | 80.34% | 90.01% | 87.50% | -346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.57% | -1.14% | 0.02% | -0.42% | -1.69% | -2.34% | 0.12% | -0.44% | -2 bps | |
| Loan Growth (YoY) | -3.84% | -4.47% | -5.32% | -4.88% | -5.59% | -5.17% | -4.85% | -4.61% | +26 bps | |
| Share Growth (YoY) | 0.76% | 4.54% | 6.41% | 6.48% | 3.71% | 4.97% | 3.90% | 1.02% | -546 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.70% | 0.90% | 1.30% | 1.46% | 0.90% | 0.84% | 1.40% | +10 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 | 8.46% | 8.59% | 8.67% | 8.78% | 8.97% | 9.45% | 9.35% | 9.51% | +74 bps | |
| Net Worth / Assets | 8.46% | 8.59% | 8.67% | 8.78% | 8.97% | 9.45% | 9.35% | 9.51% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.72% | 95.62% | 90.27% | 88.45% | 87.13% | 86.38% | 82.66% | 83.52% | -493 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |