| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.6 pts |
| Loan growth (YoY) | -7.9% | -2.4% | -5.6 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $85.5M | $75.0M | $62.9M | $10.1M | $6K | 0.03% | 3.00% | 0.66% | 9,295 |
| Q4 2025 | $82.3M | $71.8M | $66.1M | $10.1M | $135K | 0.16% | 3.12% | 0.93% | 9,263 |
| Q3 2025 | $88.0M | $77.4M | $68.3M | $10.1M | $90K | 0.14% | 2.88% | 0.58% | 9,271 |
| Q2 2025 | $90.9M | $80.2M | $68.1M | $10.1M | $68K | 0.15% | 2.74% | 0.48% | 9,251 |
| Q1 2025 | $90.1M | $79.7M | $68.3M | $10.1M | $35K | 0.16% | 2.67% | 0.50% | 9,171 |
| Q4 2024 | $89.9M | $79.4M | $70.1M | $10.1M | $67K | 0.07% | 3.01% | 0.70% | 9,131 |
| Q3 2024 | $90.3M | $80.0M | $71.6M | $10.2M | $67K | 0.10% | 3.00% | 0.48% | 9,101 |
| Q2 2024 | $94.0M | $80.7M | $74.1M | $10.1M | $16K | 0.03% | 2.97% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,562 |
Loan mix (Q1 2026): real estate $13.2M · commercial $0 · consumer $48.3M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.2% | 81.5% | 83rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Fayette, KY, ranked 35th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, KY | 1 | $40.1M* | 0.28% | 35th |
| Woodford, KY | 1 | $40.1M* | 5.50% | 7th |
Kentucky: 156th with 0.06% · Lexington-Fayette metro: 28th, 0.42% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2