PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C-Plant

Paducah, KY · Charter 7524

NCUA · 10 branches

Q2 2026

$365.9MAssets
$145.0MLoans
$310.0MShares
$52.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.31%, down 1 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.16% of loans (-20 bps YoY).
  • Capital: net worth / assets of 14.31%, down 14 bps from a year ago.
  • Funding: loans stand at 46.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-1 bps YoY

Efficiency Ratio (YTD, annualized)

65.77%+36 bps YoY

Net Worth / Assets

14.31%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.28%1.16%1.27%1.31%-1 bps
Return on Equity9.15%8.79%8.16%9.04%9.14%-1 bps
Net Interest Margin2.91%2.95%2.96%2.89%2.90%-1 bps
Efficiency Ratio65.41%66.83%68.80%66.14%65.77%+36 bps
Growth
Asset Growth (YoY)8.63%4.93%6.95%8.47%7.95%-68 bps
Loan Growth (YoY)-5.80%-3.04%1.34%3.50%9.18%+1,497 bps
Share Growth (YoY)8.77%4.34%6.44%8.15%7.55%-122 bps
Asset Quality
Delinquent Loans / Loans0.36%0.43%0.66%0.23%0.16%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.45%14.54%14.24%14.07%14.31%-14 bps
Net Worth / Assets14.45%14.54%14.24%14.07%14.31%-14 bps
Liquidity & Funding
Loans / Shares46.07%46.39%46.35%45.03%46.77%+70 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps