Lexington, KY · Charter 68661
NCUA · 5 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 | 0.94% | 0.88% | 0.65% | 0.73% | 0.87% | 0.84% | 0.50% | 0.68% | -5 bps | |
| Return on Equity | 7.63% | 7.01% | 5.33% | 5.94% | 6.85% | 6.58% | 4.02% | 5.49% | -45 bps | |
| Net Interest Margin | 3.38% | 3.40% | 3.35% | 3.45% | 3.55% | 2.64% | 3.36% | 3.38% | -7 bps | |
| Efficiency Ratio | 73.45% | 75.09% | 78.99% | 77.53% | 73.84% | 69.67% | 81.44% | 77.99% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | 2.61% | 3.57% | 3.98% | 3.99% | 5.22% | 4.66% | 5.56% | +158 bps | |
| Loan Growth (YoY) | 3.12% | 0.70% | -0.07% | -1.53% | -2.68% | -0.45% | 2.10% | 4.01% | +555 bps | |
| Share Growth (YoY) | 2.77% | 1.92% | 3.15% | 3.76% | 3.51% | 4.92% | 4.53% | 5.60% | +184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.21% | 0.28% | 0.34% | 0.36% | 0.41% | 0.54% | 0.92% | +58 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 | 12.38% | 12.58% | 12.17% | 12.33% | 12.64% | 12.70% | 12.32% | 12.39% | +6 bps | |
| Net Worth / Assets | 12.38% | 12.58% | 12.17% | 12.33% | 12.64% | 12.70% | 12.32% | 12.39% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.35% | 78.14% | 74.17% | 74.01% | 74.60% | 74.14% | 72.45% | 72.90% | -111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |