University of Kentucky
Lexington, KY · Charter 24165 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.8BAssets
$1.5BLoans
$1.4BShares
$195.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 51% of credit unions $1B-$10B in assets (rank 212 of 435).
- Widest gap: efficiency ratio trails 91% of credit unions $1B-$10B in assets (rank 395 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.28%
Rank 396 of 435
Net Interest Margin
3.29%
Rank 250 of 435
Efficiency Ratio
83.55%
Rank 395 of 435
Equity / Assets
10.91%
Rank 212 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.55% | 0.81% | 1.14% | Beats 9% | 396 / 435 | |
| Return on Equity | 2.60% | 5.12% | 7.41% | 9.70% | Beats 9% | 394 / 435 | |
| Net Interest Margin | 3.29% | 3.01% | 3.39% | 3.75% | Beats 43% | 250 / 435 | |
| Efficiency Ratio | 83.55% | 65.25% | 71.39% | 77.86% | Beats 9% | 395 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.45% | 0.69% | 1.05% | Beats 29% | 309 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.91% | 9.81% | 10.84% | 12.63% | Beats 51% | 212 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.91% | 9.81% | 10.84% | 12.63% | Beats 51% | 212 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 110.59% | 78.33% | 88.38% | 95.61% | 98th pctl | 7 / 435 | |
| Loans / Assets | 85.52% | 67.69% | 74.58% | 80.80% | 91st pctl | 38 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |