Morehead Community
Morehead, KY · Charter 23070 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$65.1MAssets
$27.9MLoans
$56.0MShares
$8.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets (rank 130 of 1681).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets (rank 1322 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.65%
Rank 184 of 1,683
Net Interest Margin
3.23%
Rank 1,322 of 1,683
Efficiency Ratio
59.75%
Rank 184 of 1,682
Equity / Assets
13.49%
Rank 749 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.35% | 0.74% | 1.18% | Beats 89% | 184 / 1,683 | |
| Return on Equity | 12.22% | 2.67% | 5.89% | 8.74% | Beats 92% | 130 / 1,681 | |
| Net Interest Margin | 3.23% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,322 / 1,683 | |
| Efficiency Ratio | 59.75% | 68.91% | 78.20% | 86.93% | Beats 89% | 184 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 689 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 749 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.49% | 10.44% | 12.89% | 16.53% | Beats 55% | 749 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 49.85% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,327 / 1,683 | |
| Loans / Assets | 42.94% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,304 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |