Louisville, KY · Charter 68666
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.79% | 0.93% | 0.99% | 1.08% | 1.15% | 1.00% | 1.19% | +20 bps | |
| Return on Equity | 5.79% | 6.23% | 7.33% | 7.84% | 8.23% | 8.75% | 7.71% | 8.92% | +108 bps | |
| Net Interest Margin | 2.30% | 2.35% | 2.65% | 2.70% | 2.80% | 2.78% | 2.68% | 2.80% | +9 bps | |
| Efficiency Ratio | 75.62% | 74.07% | 70.10% | 69.64% | 69.18% | 67.26% | 71.18% | 68.00% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.88% | 4.03% | 4.43% | 6.85% | 5.59% | 5.86% | 6.58% | 4.49% | -236 bps | |
| Loan Growth (YoY) | 1.47% | 4.59% | 5.40% | 3.57% | 8.89% | 5.50% | 5.66% | 9.99% | +642 bps | |
| Share Growth (YoY) | 2.75% | 4.23% | 4.52% | 6.19% | 6.37% | 5.48% | 6.29% | 3.50% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.08% | 0.16% | 0.16% | 0.16% | 0.18% | 0.17% | 0.13% | -3 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 | 12.75% | 12.70% | 12.64% | 12.68% | 13.12% | 13.14% | 13.00% | 13.37% | +69 bps | |
| Net Worth / Assets | 12.75% | 12.70% | 12.64% | 12.68% | 13.12% | 13.14% | 13.00% | 13.37% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.93% | 88.58% | 86.86% | 85.63% | 90.01% | 88.60% | 86.34% | 91.00% | +536 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |