Owensboro, KY · Charter 8988
NCUA · 4 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 | 1.31% | 1.29% | 1.28% | 1.37% | 1.40% | 1.32% | 1.01% | 1.05% | -32 bps | |
| Return on Equity | 9.87% | 9.55% | 9.63% | 10.68% | 10.49% | 9.66% | 7.35% | 7.42% | -326 bps | |
| Net Interest Margin | 3.37% | 3.41% | 3.35% | 3.33% | 3.45% | 3.46% | 3.31% | 3.39% | +6 bps | |
| Efficiency Ratio | 69.30% | 69.83% | 68.29% | 65.56% | 65.44% | 67.61% | 73.22% | 73.23% | +767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.48% | 2.80% | 3.47% | 10.69% | 9.74% | 9.65% | 6.08% | -1.74% | -1,243 bps | |
| Loan Growth (YoY) | 6.15% | 4.53% | 2.16% | 0.60% | -2.61% | -5.07% | -5.11% | -6.42% | -702 bps | |
| Share Growth (YoY) | 0.42% | 1.62% | 2.58% | 11.15% | 9.61% | 9.89% | 5.63% | -3.21% | -1,436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.73% | 0.23% | 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 | 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 | 13.22% | 13.53% | 13.27% | 12.86% | 13.36% | 13.64% | 13.75% | 14.21% | +136 bps | |
| Net Worth / Assets | 13.22% | 13.53% | 13.27% | 12.86% | 13.36% | 13.64% | 13.75% | 14.21% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.77% | 56.06% | 53.11% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |