Signet
Paducah, KY · Charter 23949 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$398.2MAssets
$226.4MLoans
$332.1MShares
$66.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets (rank 261 of 1682).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1397 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.13%
Rank 474 of 1,683
Net Interest Margin
3.09%
Rank 1,397 of 1,683
Efficiency Ratio
63.74%
Rank 261 of 1,682
Equity / Assets
16.64%
Rank 413 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 474 / 1,683 | |
| Return on Equity | 6.79% | 2.67% | 5.89% | 8.74% | Beats 59% | 693 / 1,681 | |
| Net Interest Margin | 3.09% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,397 / 1,683 | |
| Efficiency Ratio | 63.74% | 68.91% | 78.20% | 86.93% | Beats 85% | 261 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,163 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.64% | 10.44% | 12.89% | 16.53% | Beats 75% | 413 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.64% | 10.44% | 12.89% | 16.53% | Beats 75% | 413 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 68.19% | 52.61% | 69.38% | 83.50% | 48th pctl | 872 / 1,683 | |
| Loans / Assets | 56.86% | 44.71% | 59.18% | 70.72% | 45th pctl | 922 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |