K I T
Louisville, KY · Charter 16947 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.1MAssets
$15.4MLoans
$20.2MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets (rank 348 of 1683).
- Widest gap: equity / assets trails 60% of credit unions under $1B in assets (rank 1018 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.87%
Rank 714 of 1,683
Net Interest Margin
4.46%
Rank 348 of 1,683
Efficiency Ratio
78.98%
Rank 881 of 1,682
Equity / Assets
11.86%
Rank 1,018 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 58% | 714 / 1,683 | |
| Return on Equity | 7.37% | 2.67% | 5.89% | 8.74% | Beats 64% | 601 / 1,681 | |
| Net Interest Margin | 4.46% | 3.31% | 3.82% | 4.32% | Beats 79% | 348 / 1,683 | |
| Efficiency Ratio | 78.98% | 68.91% | 78.20% | 86.93% | Beats 48% | 881 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 520 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.86% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,018 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.86% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,018 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.32% | 52.61% | 69.38% | 83.50% | 62nd pctl | 636 / 1,683 | |
| Loans / Assets | 66.82% | 44.71% | 59.18% | 70.72% | 66th pctl | 568 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |