Whitesville Community
Whitesville, KY · Charter 62432 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$39.5MAssets
$14.9MLoans
$34.4MShares
$4.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets (rank 30 of 1681).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets (rank 1415 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
2.04%
Rank 74 of 1,683
Net Interest Margin
4.08%
Rank 610 of 1,683
Efficiency Ratio
56.10%
Rank 127 of 1,682
Equity / Assets
12.40%
Rank 931 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.04% | 0.35% | 0.74% | 1.18% | Beats 96% | 74 / 1,683 | |
| Return on Equity | 16.43% | 2.67% | 5.89% | 8.74% | Beats 98% | 30 / 1,681 | |
| Net Interest Margin | 4.08% | 3.31% | 3.82% | 4.32% | Beats 64% | 610 / 1,683 | |
| Efficiency Ratio | 56.10% | 68.91% | 78.20% | 86.93% | Beats 93% | 127 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.82% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,415 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.40% | 10.44% | 12.89% | 16.53% | Beats 45% | 931 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.40% | 10.44% | 12.89% | 16.53% | Beats 45% | 931 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 43.25% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,442 / 1,683 | |
| Loans / Assets | 37.76% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,414 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |