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 | |