Owensboro, KY · Charter 8988
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
76
Profitability
54
Liquidity
31
Efficiency
64
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 8988
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.40% | 1.32% | 1.01% | 1.05% | -32 bps | |
| Return on Equity | 10.68% | 10.49% | 9.66% | 7.35% | 7.42% | -326 bps | |
| Net Interest Margin | 3.33% | 3.45% | 3.46% | 3.31% | 3.39% | +6 bps | |
| Efficiency Ratio | 65.56% | 65.44% | 67.61% | 73.22% | 73.23% | +767 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.69% | 9.74% | 9.65% | 6.08% | -1.74% | -1,243 bps | |
| Loan Growth (YoY) | 0.60% | -2.61% | -5.07% | -5.11% | -6.42% | -702 bps | |
| Share Growth (YoY) | 11.15% | 9.61% | 9.89% | 5.63% | -3.21% | -1,436 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.25% | 0.49% | 0.41% | 0.26% | +4 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 | 12.86% | 13.36% | 13.64% | 13.75% | 14.21% | +136 bps | |
| Net Worth / Assets | 12.86% | 13.36% | 13.64% | 13.75% | 14.21% | +136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.80% | 49.55% | 48.43% | 47.71% | 48.15% | -165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Owensboro, KY · Charter 8988 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.05%
Rank 541 of 1,683
Net Interest Margin
3.39%
Rank 1,211 of 1,683
Efficiency Ratio
73.23%
Rank 600 of 1,682
Equity / Assets
14.21%
Rank 640 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 541 / 1,683 | |
| Return on Equity | 7.41% | 2.67% | 5.89% | 8.74% | Beats 65% | 595 / 1,681 | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,211 / 1,683 | |
| Efficiency Ratio | 73.23% | 68.91% | 78.20% | 86.93% | Beats 64% | 600 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 411 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 640 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 640 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.15% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,350 / 1,683 | |
| Loans / Assets | 40.93% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,339 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||