The Health & Education
Lexington, KY · Charter 10800 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$125.8MAssets
$45.4MLoans
$104.5MShares
$22.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets (rank 77 of 1682).
- Widest gap: net interest margin trails 47% of credit unions under $1B in assets (rank 783 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.87%
Rank 103 of 1,683
Net Interest Margin
3.88%
Rank 783 of 1,683
Efficiency Ratio
51.54%
Rank 77 of 1,682
Equity / Assets
17.66%
Rank 349 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.87% | 0.35% | 0.74% | 1.18% | Beats 94% | 103 / 1,683 | | |
| Return on Equity | 10.58% | 2.67% | 5.89% | 8.74% | Beats 86% | 234 / 1,681 | | |
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 783 / 1,683 | | |
| Efficiency Ratio | 51.54% | 68.91% | 78.20% | 86.93% | Beats 95% | 77 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 368 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.66% | 10.44% | 12.89% | 16.53% | Beats 79% | 349 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.66% | 10.44% | 12.89% | 16.53% | Beats 79% | 349 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.40% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,437 / 1,683 | | |
| Loans / Assets | 36.06% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,445 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |