Arh
Middlesboro, KY · Charter 20438 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$19.9MAssets
$11.9MLoans
$14.4MShares
$5.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of credit unions under $1B in assets (rank 74 of 1683).
- Widest gap: nonperforming loans / loans trails 76% of credit unions under $1B in assets (rank 1273 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.23%
Rank 384 of 1,683
Net Interest Margin
5.22%
Rank 110 of 1,683
Efficiency Ratio
75.04%
Rank 675 of 1,682
Equity / Assets
26.93%
Rank 74 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.35% | 0.74% | 1.18% | Beats 77% | 384 / 1,683 | |
| Return on Equity | 4.56% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,004 / 1,681 | |
| Net Interest Margin | 5.22% | 3.31% | 3.82% | 4.32% | Beats 93% | 110 / 1,683 | |
| Efficiency Ratio | 75.04% | 68.91% | 78.20% | 86.93% | Beats 60% | 675 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,273 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.93% | 10.44% | 12.89% | 16.53% | Beats 96% | 74 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.93% | 10.44% | 12.89% | 16.53% | Beats 96% | 74 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 82.19% | 52.61% | 69.38% | 83.50% | 73rd pctl | 447 / 1,683 | |
| Loans / Assets | 59.63% | 44.71% | 59.18% | 70.72% | 51st pctl | 826 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |