Your Hometown
Mayfield, KY · Charter 16702 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$25.6MAssets
$7.8MLoans
$23.1MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 27% of credit unions under $1B in assets (rank 1233 of 1683).
- Widest gap: efficiency ratio trails 97% of credit unions under $1B in assets (rank 1634 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.73%
Rank 1,593 of 1,683
Net Interest Margin
3.36%
Rank 1,233 of 1,683
Efficiency Ratio
116.95%
Rank 1,634 of 1,682
Equity / Assets
9.25%
Rank 1,477 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.73% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,593 / 1,683 | | |
| Return on Equity | -7.93% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,609 / 1,681 | | |
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,233 / 1,683 | | |
| Efficiency Ratio | 116.95% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,634 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.75% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,400 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.25% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,477 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.25% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,477 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 33.73% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,567 / 1,683 | | |
| Loans / Assets | 30.38% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,545 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |