Members Heritage
Lexington, KY · Charter 68661 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$590.8MAssets
$376.0MLoans
$515.8MShares
$73.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 51% of credit unions under $1B in assets (rank 831 of 1682).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1215 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.68%
Rank 911 of 1,683
Net Interest Margin
3.38%
Rank 1,215 of 1,683
Efficiency Ratio
77.99%
Rank 831 of 1,682
Equity / Assets
12.39%
Rank 937 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 911 / 1,683 | |
| Return on Equity | 5.49% | 2.67% | 5.89% | 8.74% | Beats 47% | 899 / 1,681 | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,215 / 1,683 | |
| Efficiency Ratio | 77.99% | 68.91% | 78.20% | 86.93% | Beats 51% | 831 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,065 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 937 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 937 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.90% | 52.61% | 69.38% | 83.50% | 57th pctl | 729 / 1,683 | |
| Loans / Assets | 63.63% | 44.71% | 59.18% | 70.72% | 60th pctl | 678 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |