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 | |