West Paducah, KY · Charter 9497
NCUA · 1 branch
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
91
Asset Quality
100
Profitability
37
Liquidity
91
Efficiency
47
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.
West Paducah, KY · Charter 9497
NCUA · 1 branch
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 | 1.48% | 1.92% | 2.24% | 1.94% | 1.74% | 1.52% | 1.07% | 0.80% | -114 bps | |
| Return on Equity | 6.63% | 8.27% | 9.60% | 8.34% | 7.55% | 6.88% | 4.69% | 3.55% | -480 bps | |
| Net Interest Margin | 3.89% | 4.38% | 4.62% | 4.44% | 4.04% | 3.81% | 3.60% | 3.38% | -106 bps | |
| Efficiency Ratio | 62.63% | 56.82% | 52.00% | 56.84% | 57.54% | 60.67% | 70.65% | 78.03% | +2,119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.49% | -11.46% | -7.10% | 2.17% | 5.64% | 11.86% | 7.32% | 7.25% | +508 bps | |
| Loan Growth (YoY) | 5.51% | -3.77% | -2.27% | 2.38% | 5.44% | 6.35% | 4.72% | -2.78% | -516 bps | |
| Share Growth (YoY) | -15.35% | -16.31% | -11.36% | -0.25% | 4.72% | 13.55% | 8.11% | 8.32% | +857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.13% | 0.09% | 0.09% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.31% | 23.21% | 23.37% | 23.25% | 23.01% | 22.04% | 22.86% | 22.56% | -69 bps | |
| Net Worth / Assets | 22.31% | 23.21% | 23.37% | 23.25% | 23.01% | 22.04% | 22.86% | 22.56% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.74% | 73.32% | 71.72% | 74.14% | 73.25% | 68.67% | 69.47% | 66.54% | -760 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Paducah, KY · Charter 9497 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.79%
Rank 786 of 1,683
Net Interest Margin
3.36%
Rank 1,238 of 1,683
Efficiency Ratio
79.28%
Rank 900 of 1,682
Equity / Assets
22.56%
Rank 147 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.35% | 0.74% | 1.18% | Beats 53% | 786 / 1,683 | ||
| Return on Equity | 3.52% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,148 / 1,681 | ||
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,238 / 1,683 | ||
| Efficiency Ratio | 79.28% | 68.91% | 78.20% | 86.93% | Beats 47% | 900 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.56% | 10.44% | 12.89% | 16.53% | Beats 91% | 147 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.56% | 10.44% | 12.89% | 16.53% | Beats 91% | 147 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.53% | 52.61% | 69.38% | 83.50% | 45th pctl | 933 / 1,683 | ||
| Loans / Assets | 51.35% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,076 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||