Owensboro, KY · Charter 8940
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
3
Profitability
29
Liquidity
14
Efficiency
1
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.
Owensboro, KY · Charter 8940
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -1.18% | 1.92% | 1.26% | -0.88% | -5.58% | -12.41% | -9.66% | -1,092 bps | |
| Return on Equity | -2.22% | -8.16% | 11.42% | 7.39% | -5.57% | -40.31% | -147.91% | -113.93% | -12,132 bps | |
| Net Interest Margin | 4.71% | 4.85% | 4.93% | 4.99% | 3.94% | 4.47% | 4.86% | 4.81% | -18 bps | |
| Efficiency Ratio | 106.70% | 112.36% | 74.49% | 84.90% | 114.99% | 124.97% | 139.85% | 133.18% | +4,828 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.50% | -7.63% | -1.49% | -9.61% | -0.87% | -1.97% | -6.30% | -6.26% | +335 bps | |
| Loan Growth (YoY) | 0.13% | -5.04% | -9.47% | -11.15% | -11.45% | -6.70% | -9.81% | -16.15% | -500 bps | |
| Share Growth (YoY) | -9.30% | -7.04% | -4.58% | -11.97% | -2.04% | -1.39% | 2.85% | 2.29% | +1,425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.07% | 4.41% | 7.92% | 11.70% | 11.56% | 8.83% | 0.78% | 4.89% | -681 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 | 1.69% | 1.84% | 1.93% | 1.60% | 1.41% | 4.63% | 15.57% | 16.30% | +1,470 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.63% | 14.51% | 16.82% | 17.01% | 15.83% | 13.85% | 8.39% | 8.48% | -853 bps | |
| Net Worth / Assets | 14.63% | 14.51% | 16.82% | 17.01% | 15.83% | 13.85% | 8.39% | 8.48% | -853 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.83% | 53.48% | 54.67% | 54.68% | 50.47% | 50.60% | 47.94% | 44.82% | -986 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Owensboro, KY · Charter 8940 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 1 branch
Q4 2025
Return on Assets
-9.67%
Rank 1,621 of 1,625
Net Interest Margin
4.82%
Rank 219 of 1,625
Efficiency Ratio
133.02%
Rank 1,601 of 1,622
Equity / Assets
8.47%
Rank 1,508 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -9.67% | 0.37% | 0.76% | 1.21% | Beats 0% | 1,621 / 1,625 | ||
| Return on Equity | -114.10% | 2.80% | 6.06% | 8.96% | Beats 0% | 1,621 / 1,623 | ||
| Net Interest Margin | 4.82% | 3.25% | 3.80% | 4.36% | Beats 87% | 219 / 1,625 | ||
| Efficiency Ratio | 133.02% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,601 / 1,622 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.88% | 0.28% | 0.70% | 1.35% | Beats 3% | 1,573 / 1,623 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.48% | 10.44% | 12.79% | 16.54% | Beats 7% | 1,509 / 1,625 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.47% | 10.44% | 12.79% | 16.54% | Beats 7% | 1,508 / 1,624 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.83% | 54.72% | 71.33% | 84.54% | 14th pctl | 1,403 / 1,624 | ||
| Loans / Assets | 40.79% | 46.04% | 60.45% | 71.73% | 18th pctl | 1,325 / 1,624 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||