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 | |