Louisville, KY · Charter 68617
NCUA · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
26
Profitability
33
Liquidity
21
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Louisville, KY · Charter 68617
NCUA · 7 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 | 1.51% | 1.34% | -0.11% | 0.09% | 0.28% | 0.33% | 0.21% | 0.59% | +50 bps | |
| Return on Equity | 10.90% | 9.39% | -0.87% | 0.67% | 2.05% | 2.49% | 1.64% | 4.51% | +384 bps | |
| Net Interest Margin | 3.44% | 3.50% | 3.20% | 3.35% | 3.40% | 3.31% | 3.18% | 3.17% | -18 bps | |
| Efficiency Ratio | 72.19% | 74.67% | 97.47% | 93.43% | 89.44% | 88.91% | 92.05% | 85.05% | -838 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.36% | 3.90% | 4.17% | 3.47% | 4.61% | 8.99% | 5.33% | 6.94% | +347 bps | |
| Loan Growth (YoY) | 4.48% | 1.51% | 0.93% | 1.28% | 0.57% | -0.13% | -2.10% | -2.95% | -423 bps | |
| Share Growth (YoY) | 5.13% | 3.85% | 4.47% | 3.88% | 4.78% | 9.94% | 5.71% | 7.34% | +345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 1.38% | 0.77% | 1.11% | 1.03% | 1.28% | 1.52% | 1.22% | +11 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 | 13.85% | 14.25% | 13.17% | 13.37% | 13.59% | 13.38% | 12.88% | 13.05% | -33 bps | |
| Net Worth / Assets | 13.85% | 14.25% | 13.17% | 13.37% | 13.59% | 13.38% | 12.88% | 13.05% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.59% | 53.23% | 48.97% | 50.03% | 50.47% | 48.36% | 45.36% | 45.23% | -479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Louisville, KY · Charter 68617 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.59%
Rank 1,020 of 1,683
Net Interest Margin
3.17%
Rank 1,351 of 1,683
Efficiency Ratio
85.06%
Rank 1,187 of 1,682
Equity / Assets
13.05%
Rank 812 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,020 / 1,683 | ||
| Return on Equity | 4.51% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,018 / 1,681 | ||
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,351 / 1,683 | ||
| Efficiency Ratio | 85.06% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,187 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,238 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.05% | 10.44% | 12.89% | 16.53% | Beats 52% | 812 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.05% | 10.44% | 12.89% | 16.53% | Beats 52% | 812 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.23% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,400 / 1,683 | ||
| Loans / Assets | 38.91% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,397 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||