Main Impact
Murray, KY · Charter 22978 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.3MAssets
$14.3MLoans
$20.8MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets (rank 156 of 1682).
- Widest gap: equity / assets trails 75% of credit unions under $1B in assets (rank 1259 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.63%
Rank 978 of 1,683
Net Interest Margin
4.04%
Rank 643 of 1,683
Efficiency Ratio
80.57%
Rank 959 of 1,682
Equity / Assets
10.47%
Rank 1,259 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.35% | 0.74% | 1.18% | Beats 42% | 978 / 1,683 | |
| Return on Equity | 5.99% | 2.67% | 5.89% | 8.74% | Beats 51% | 822 / 1,681 | |
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 643 / 1,683 | |
| Efficiency Ratio | 80.57% | 68.91% | 78.20% | 86.93% | Beats 43% | 959 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 156 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,259 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,259 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 68.85% | 52.61% | 69.38% | 83.50% | 49th pctl | 856 / 1,683 | |
| Loans / Assets | 61.52% | 44.71% | 59.18% | 70.72% | 55th pctl | 753 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |