Lexington, KY · Charter 63058
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 | 1.29% | 1.33% | 1.21% | 1.05% | 1.09% | 0.98% | 0.26% | 0.21% | -84 bps | |
| Return on Equity | 10.53% | 10.42% | 9.75% | 8.20% | 8.24% | 7.19% | 2.01% | 1.60% | -659 bps | |
| Net Interest Margin | 4.03% | 4.14% | 4.12% | 4.10% | 4.12% | 4.21% | 3.74% | 3.77% | -34 bps | |
| Efficiency Ratio | 74.83% | 75.20% | 75.11% | 79.80% | 79.52% | 81.74% | 91.38% | 93.77% | +1,396 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.52% | 7.40% | 4.55% | 5.03% | 1.32% | 0.07% | 2.05% | 1.69% | -334 bps | |
| Loan Growth (YoY) | -0.41% | -0.28% | 0.77% | -1.78% | -6.58% | -1.79% | 2.32% | 5.27% | +705 bps | |
| Share Growth (YoY) | 5.22% | 7.14% | 4.72% | 5.75% | 1.01% | 1.65% | 0.31% | 0.02% | -572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.20% | 0.21% | 0.17% | 0.32% | 0.20% | 0.16% | 0.40% | +23 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 | 12.21% | 12.73% | 12.41% | 12.82% | 13.19% | 13.68% | 12.83% | 13.12% | +30 bps | |
| Net Worth / Assets | 12.21% | 12.73% | 12.41% | 12.82% | 13.19% | 13.68% | 12.83% | 13.12% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.85% | 54.07% | 49.78% | 49.94% | 49.80% | 52.24% | 50.77% | 52.56% | +262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |