W B H Employees
Paducah, KY · Charter 10274 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$17.6MAssets
$7.3MLoans
$15.1MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets (rank 187 of 1682).
- Widest gap: efficiency ratio trails 97% of credit unions under $1B in assets (rank 1631 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-1.75%
Rank 1,640 of 1,683
Net Interest Margin
4.33%
Rank 414 of 1,683
Efficiency Ratio
115.84%
Rank 1,631 of 1,682
Equity / Assets
12.98%
Rank 821 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.75% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,640 / 1,683 | |
| Return on Equity | -13.52% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,636 / 1,681 | |
| Net Interest Margin | 4.33% | 3.31% | 3.82% | 4.32% | Beats 75% | 414 / 1,683 | |
| Efficiency Ratio | 115.84% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,631 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 89% | 187 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 10.44% | 12.89% | 16.53% | Beats 51% | 821 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.98% | 10.44% | 12.89% | 16.53% | Beats 51% | 821 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 48.08% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,354 / 1,683 | |
| Loans / Assets | 41.45% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,329 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |