Lexington Postal Community
Lexington, KY · Charter 62370 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$27.2MAssets
$12.6MLoans
$24.4MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of credit unions under $1B in assets (rank 363 of 1682).
- Widest gap: efficiency ratio trails 88% of credit unions under $1B in assets (rank 1474 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.25%
Rank 1,350 of 1,683
Net Interest Margin
3.85%
Rank 819 of 1,683
Efficiency Ratio
93.52%
Rank 1,474 of 1,682
Equity / Assets
9.53%
Rank 1,424 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,350 / 1,683 | |
| Return on Equity | 2.63% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,275 / 1,681 | |
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 51% | 819 / 1,683 | |
| Efficiency Ratio | 93.52% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,474 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 363 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,424 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.53% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,424 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 51.57% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,290 / 1,683 | |
| Loans / Assets | 46.32% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,218 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |