Old Kentucky Home
Bardstown, KY · Charter 18172 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$19.8MAssets
$13.9MLoans
$17.4MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets (rank 146 of 1683).
- Widest gap: efficiency ratio trails 89% of credit unions under $1B in assets (rank 1502 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.29%
Rank 1,317 of 1,683
Net Interest Margin
5.00%
Rank 146 of 1,683
Efficiency Ratio
94.68%
Rank 1,502 of 1,682
Equity / Assets
12.16%
Rank 966 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,317 / 1,683 | |
| Return on Equity | 2.41% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,298 / 1,681 | |
| Net Interest Margin | 5.00% | 3.31% | 3.82% | 4.32% | Beats 91% | 146 / 1,683 | |
| Efficiency Ratio | 94.68% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,502 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 738 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.16% | 10.44% | 12.89% | 16.53% | Beats 43% | 966 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.16% | 10.44% | 12.89% | 16.53% | Beats 43% | 966 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 79.62% | 52.61% | 69.38% | 83.50% | 69th pctl | 529 / 1,683 | |
| Loans / Assets | 69.93% | 44.71% | 59.18% | 70.72% | 73rd pctl | 448 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |