Regional Medical Ctr Hopkins Co Emp Federal Credit Union

Credit UnionFCUMadisonville, KY·Est. 1972·NCUA #21126Compare ⇄▤ Account brief

Total assets

$9.6M

▲ +1.5% YoY

Shares & deposits

$8.3M

▲ +0.1% YoY

Loans

$5.1M

▲ +2.8% YoY

Members

1,329

▼ -4.5% YoY

ROA (annualized)

1.21%

peers 0.60%

ROE (annualized)

9.03%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+1.4%	+1.3%	+0.1 pts
Share growth (YoY)	+0.1%	+0.7%	-0.6 pts
Loan growth (YoY)	+2.8%	-2.4%	+5.2 pts
ROA	1.21%	0.60%	+0.6 pts
ROE	9.0%	4.1%	+4.9 pts

ROA ranks in the 77th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$9.6M	$8.3M	$5.1M	$1.3M	$29K	1.21%	4.28%	0.26%	1,329
Q4 2025	$9.0M	$7.8M	$5.4M	$1.2M	$140K	1.55%	5.00%	0.00%	1,349
Q3 2025	$9.6M	$8.3M	$5.5M	$1.2M	$127K	1.77%	4.75%	0.00%	1,362
Q2 2025	$9.4M	$8.3M	$5.1M	$1.2M	$77K	1.64%	4.77%	0.00%	1,380
Q1 2025	$9.4M	$8.3M	$5.0M	$1.1M	$37K	1.58%	4.68%	0.00%	1,391
Q4 2024	$9.0M	$7.9M	$5.0M	$1.1M	$159K	1.76%	4.89%	0.00%	1,401
Q3 2024	$9.3M	$8.2M	$5.3M	$1.1M	$125K	1.79%	4.68%	0.00%	1,412
Q2 2024	$9.1M	$8.1M	$5.3M	$1.0M	$74K	1.63%	4.61%	0.08%	1,440

Members down·Members -4.5% YoY (2%+ decline) — Losing members — growth and digital experience are top of mind

Earlier quarters (3)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	1.21%	0.60%	77th
Return on equity Annualized net income ÷ equity or net worth	9.0%	4.1%	81th
Net interest margin Interest income − interest expense, ÷ assets	4.28%	3.83%

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Ratio	Value	Peer median
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	Peer median
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%