Modern Employees
Owensboro, KY · Charter 8940 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 1 branch
Q4 2025
$5.5MAssets
$2.3MLoans
$5.0MShares
$468KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets (rank 219 of 1625).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets (rank 1621 of 1623).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-9.67%
Rank 1,621 of 1,625
Net Interest Margin
4.82%
Rank 219 of 1,625
Efficiency Ratio
133.02%
Rank 1,601 of 1,622
Equity / Assets
8.47%
Rank 1,508 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -9.67% | 0.37% | 0.76% | 1.21% | Beats 0% | 1,621 / 1,625 | |
| Return on Equity | -114.10% | 2.80% | 6.06% | 8.96% | Beats 0% | 1,621 / 1,623 | |
| Net Interest Margin | 4.82% | 3.25% | 3.80% | 4.36% | Beats 87% | 219 / 1,625 | |
| Efficiency Ratio | 133.02% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,601 / 1,622 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.88% | 0.28% | 0.70% | 1.35% | Beats 3% | 1,573 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.48% | 10.44% | 12.79% | 16.54% | Beats 7% | 1,509 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.47% | 10.44% | 12.79% | 16.54% | Beats 7% | 1,508 / 1,624 | |
| Liquidity & Funding |
| Loans / Deposits | 44.83% | 54.72% | 71.33% | 84.54% | 14th pctl | 1,403 / 1,624 | |
| Loans / Assets | 40.79% | 46.04% | 60.45% | 71.73% | 18th pctl | 1,325 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |