Rural Cooperatives
Louisville, KY · Charter 61693 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 2 branches
Q4 2025
$33.7MAssets
$10.1MLoans
$29.2MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets (rank 379 of 1623).
- Widest gap: efficiency ratio trails 97% of credit unions under $1B in assets (rank 1575 of 1622).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.08%
Rank 1,575 of 1,625
Net Interest Margin
3.77%
Rank 829 of 1,625
Efficiency Ratio
113.95%
Rank 1,575 of 1,622
Equity / Assets
11.98%
Rank 959 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.08% | 0.37% | 0.76% | 1.21% | Beats 3% | 1,575 / 1,625 | |
| Return on Equity | -8.99% | 2.80% | 6.06% | 8.96% | Beats 3% | 1,572 / 1,623 | |
| Net Interest Margin | 3.77% | 3.25% | 3.80% | 4.36% | Beats 49% | 829 / 1,625 | |
| Efficiency Ratio | 113.95% | 68.56% | 77.08% | 85.11% | Beats 3% | 1,575 / 1,622 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.28% | 0.70% | 1.35% | Beats 77% | 379 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.98% | 10.44% | 12.79% | 16.54% | Beats 41% | 960 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.98% | 10.44% | 12.79% | 16.54% | Beats 41% | 959 / 1,624 | |
| Liquidity & Funding |
| Loans / Deposits | 34.50% | 54.72% | 71.33% | 84.54% | 6th pctl | 1,520 / 1,624 | |
| Loans / Assets | 29.87% | 46.04% | 60.45% | 71.73% | 7th pctl | 1,510 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |