PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Metro Plus

Lexington, KY · Charter 63058

NCUA · 2 branches

Q2 2026

$50.9MAssets
$22.8MLoans
$43.3MShares
$6.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.21%, down 84 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.40% of loans (+23 bps YoY).
  • Capital: net worth / assets of 13.12%, up 30 bps from a year ago.
  • Funding: loans stand at 52.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.21%-84 bps YoY

Net Interest Margin (YTD, annualized)

3.77%-34 bps YoY

Efficiency Ratio (YTD, annualized)

93.77%+1,396 bps YoY

Net Worth / Assets

13.12%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.09%0.98%0.26%0.21%-84 bps
Return on Equity8.20%8.24%7.19%2.01%1.60%-659 bps
Net Interest Margin4.10%4.12%4.21%3.74%3.77%-34 bps
Efficiency Ratio79.80%79.52%81.74%91.38%93.77%+1,396 bps
Growth
Asset Growth (YoY)5.03%1.32%0.07%2.05%1.69%-334 bps
Loan Growth (YoY)-1.78%-6.58%-1.79%2.32%5.27%+705 bps
Share Growth (YoY)5.75%1.01%1.65%0.31%0.02%-572 bps
Asset Quality
Delinquent Loans / Loans0.17%0.32%0.20%0.16%0.40%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.82%13.19%13.68%12.83%13.12%+30 bps
Net Worth / Assets12.82%13.19%13.68%12.83%13.12%+30 bps
Liquidity & Funding
Loans / Shares49.94%49.80%52.24%50.77%52.56%+262 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps