Paducah, KY · Charter 7524
NCUA · 10 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 | 1.33% | 1.23% | 1.49% | 1.32% | 1.28% | 1.16% | 1.27% | 1.31% | -1 bps | |
| Return on Equity | 9.46% | 8.61% | 10.40% | 9.15% | 8.79% | 8.16% | 9.04% | 9.14% | -1 bps | |
| Net Interest Margin | 2.86% | 2.88% | 2.84% | 2.91% | 2.95% | 2.96% | 2.89% | 2.90% | -1 bps | |
| Efficiency Ratio | 63.56% | 66.17% | 60.24% | 65.41% | 66.83% | 68.80% | 66.14% | 65.77% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.29% | 16.31% | 11.17% | 8.63% | 4.93% | 6.95% | 8.47% | 7.95% | -68 bps | |
| Loan Growth (YoY) | 4.74% | -0.13% | -3.05% | -5.80% | -3.04% | 1.34% | 3.50% | 9.18% | +1,497 bps | |
| Share Growth (YoY) | 21.04% | 17.78% | 11.79% | 8.77% | 4.34% | 6.44% | 8.15% | 7.55% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.51% | 0.27% | 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 | 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 | 14.02% | 14.25% | 14.33% | 14.45% | 14.54% | 14.24% | 14.07% | 14.31% | -14 bps | |
| Net Worth / Assets | 14.02% | 14.25% | 14.33% | 14.45% | 14.54% | 14.24% | 14.07% | 14.31% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.92% | 48.68% | 47.06% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |