Paducah, KY · Charter 7524
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.28% | 1.16% | 1.27% | 1.31% | -1 bps | |
| Return on Equity | 9.15% | 8.79% | 8.16% | 9.04% | 9.14% | -1 bps | |
| Net Interest Margin | 2.91% | 2.95% | 2.96% | 2.89% | 2.90% | -1 bps | |
| Efficiency Ratio | 65.41% | 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 / Loans | 0.36% | 0.43% | 0.66% | 0.23% | 0.16% | -20 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.45% | 14.54% | 14.24% | 14.07% | 14.31% | -14 bps | |
| Net Worth / Assets | 14.45% | 14.54% | 14.24% | 14.07% | 14.31% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.07% | 46.39% | 46.35% | 45.03% | 46.77% | +70 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |