Northern Kentucky
Highland Height, KY · Charter 21339 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
$43.1MAssets
$18.7MLoans
$36.3MShares
$6.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 2 of 26).
- Widest gap: net interest margin trails 42% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 11 of 26).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.61%
Rank 3 of 26
Net Interest Margin
4.32%
Rank 11 of 26
Efficiency Ratio
68.50%
Rank 4 of 26
Equity / Assets
13.99%
Rank 9 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.41% | 0.79% | 1.34% | Beats 88% | 3 / 26 | |
| Return on Equity | 11.49% | 3.53% | 6.04% | 8.49% | Beats 92% | 2 / 26 | |
| Net Interest Margin | 4.32% | 3.25% | 4.11% | 4.64% | Beats 58% | 11 / 26 | |
| Efficiency Ratio | 68.50% | 71.52% | 75.99% | 84.12% | Beats 88% | 4 / 26 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.40% | 1.09% | 2.09% | Beats 85% | 5 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.99% | 10.31% | 12.73% | 15.29% | Beats 65% | 9 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.99% | 10.31% | 12.73% | 15.29% | Beats 65% | 9 / 26 | |
| Liquidity & Funding |
| Loans / Deposits | 51.43% | 51.92% | 65.22% | 76.21% | 19th pctl | 21 / 26 | |
| Loans / Assets | 43.38% | 44.32% | 54.77% | 68.75% | 19th pctl | 21 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |