| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.4% | +0.9% | +1.5 pts |
| Loan growth (YoY) | +13.6% | -2.6% | +16.2 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 6.0% | 4.4% | +1.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.1M | $48.0M | $22.4M | $8.2M | $246K | 0.88% | 2.89% | 1.65% | 2,754 |
| Q1 2026 | $55.6M | $47.8M | $22.2M | $8.1M | $132K | 0.95% | 2.92% | 1.42% | 2,760 |
| Q4 2025 | $53.9M | $45.5M | $23.1M | $8.0M | $351K | 0.65% | 2.87% | 1.23% | 2,815 |
| Q3 2025 | $54.8M | $47.1M | $21.3M | $7.9M | $289K | 0.70% | 2.82% | 1.00% | 2,853 |
| Q2 2025 | $54.4M | $46.9M | $19.7M | $7.8M | $179K | 0.66% | 2.77% | 1.44% | 2,887 |
| Q1 2025 | $54.6M | $47.1M | $19.3M | $7.7M | $88K | 0.65% | 2.69% | 1.64% | 2,890 |
| Q4 2024 | $53.0M | $45.0M | $18.9M | $7.6M | $335K | 0.63% | 2.59% | 1.87% | 2,883 |
| Q3 2024 | $52.8M | $45.5M | $18.9M | $7.6M | $263K | 0.66% | 2.58% | 1.51% |
| Ratio | Kue Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,893 |
| Q2 2024 | $53.4M | $46.3M | $17.7M | $7.5M | $156K | 0.58% | 2.49% | 1.08% | 2,896 |
Loan mix (Q2 2026): real estate $13.7M · commercial $0 · consumer $8.7M · securities $27.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 80.6% | 30th |
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 | Kue Federal Credit Union | 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 | Kue Federal Credit Union | 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 | Kue Federal Credit Union | 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 | Kue Federal Credit Union | 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 | Kue Federal Credit Union | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Fayette, KY, ranked 33rd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fayette, KY | 1 | $48.0M* | 0.34% | 33rd |
Kentucky: 175th with 0.03% · Lexington-Fayette metro: 37th, 0.25% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1