Radcliff, KY · Charter 7000
NCUA · 20 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
40
Profitability
44
Liquidity
96
Efficiency
92
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.
Radcliff, KY · Charter 7000
NCUA · 20 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 | 1.49% | 1.32% | 1.10% | 1.08% | 1.26% | 0.82% | 0.82% | 1.03% | -5 bps | |
| Return on Equity | 9.04% | 8.09% | 6.87% | 6.73% | 7.79% | 5.10% | 5.22% | 6.50% | -22 bps | |
| Net Interest Margin | 2.93% | 2.89% | 2.84% | 2.92% | 2.94% | 2.94% | 2.98% | 3.00% | +8 bps | |
| Efficiency Ratio | 51.57% | 55.02% | 56.15% | 56.56% | 55.53% | 56.92% | 60.96% | 57.30% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.21% | 6.18% | 8.04% | 9.04% | 9.42% | 9.21% | 9.25% | 9.44% | +40 bps | |
| Loan Growth (YoY) | 10.82% | 7.79% | 10.29% | 10.09% | 9.83% | 10.22% | 8.19% | 7.95% | -215 bps | |
| Share Growth (YoY) | 6.78% | 6.72% | 7.76% | 8.13% | 8.71% | 8.45% | 9.29% | 10.51% | +238 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.80% | 0.55% | 0.70% | 0.63% | 0.65% | 0.54% | 0.81% | +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 | 16.53% | 16.33% | 16.05% | 16.09% | 16.19% | 16.14% | 15.79% | 15.85% | -24 bps | |
| Net Worth / Assets | 16.53% | 16.33% | 16.05% | 16.09% | 16.19% | 16.14% | 15.79% | 15.85% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.58% | 88.39% | 87.97% | 89.61% | 89.50% | 89.83% | 87.08% | 87.52% | -208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Radcliff, KY · Charter 7000 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 20 branches
Q2 2026
Return on Assets
1.03%
Rank 134 of 435
Net Interest Margin
3.00%
Rank 331 of 435
Efficiency Ratio
57.30%
Rank 36 of 435
Equity / Assets
15.85%
Rank 23 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.55% | 0.81% | 1.14% | Beats 69% | 134 / 435 | ||
| Return on Equity | 6.50% | 5.12% | 7.41% | 9.70% | Beats 39% | 266 / 435 | ||
| Net Interest Margin | 3.00% | 3.01% | 3.39% | 3.75% | Beats 24% | 331 / 435 | ||
| Efficiency Ratio | 57.30% | 65.25% | 71.39% | 77.86% | Beats 92% | 36 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 40% | 262 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.85% | 9.81% | 10.84% | 12.63% | Beats 95% | 23 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.85% | 9.81% | 10.84% | 12.63% | Beats 95% | 23 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.52% | 78.33% | 88.38% | 95.61% | 47th pctl | 229 / 435 | ||
| Loans / Assets | 72.76% | 67.69% | 74.58% | 80.80% | 42nd pctl | 252 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||