Kue Federal Credit Union
Total assets
$55.6M
▲ +1.7% YoY
Shares & deposits
$47.8M
▲ +1.3% YoY
Loans
$22.2M
▲ +15.0% YoY
Members
2,760
▼ -4.5% YoY
ROA (annualized)
0.95%
peers 0.60%
ROE (annualized)
6.49%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.7 pts |
| Loan growth (YoY) | +15.0% | -2.4% | +17.4 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
Profile
- Established
- 1976
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 1 Quality St, Lexington, KY, 40507
- NCUA charter #
- 22478
- RSSD ID
- 608684
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 2,893 |
| Q2 2024 | $53.4M | $46.3M | $17.7M | $7.5M | $156K | 0.58% | 2.49% | 1.08% | 2,896 |
Loan mix (Q1 2026): real estate $13.5M · commercial $0 · consumer $8.7M · securities $27.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Kue Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% | 16th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 81.5% | 34th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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