Harrodsburg, KY · 1 · Charter #11285
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.1M
25th percentile
Members
656
23th percentile
Total loans
$2.1M
23th percentile
Total shares
$3.9M
25th percentile

Profitability

Return on assets
1.05%
62th percentile
Net interest margin
2.92%
17th percentile
Efficiency ratio
46.24%
87th percentile
Non-interest income ratio
0.43%
10th percentile

Capital & Risk

Net worth ratio
23.20%
82th percentile
Delinquency rate
3.69%
11th percentile
Net charge-off rate
-0.49%
99th percentile
Loan-to-share
53.79%
40th percentile

Growth

Member growth YoY
-6.15%
12th percentile
Asset growth YoY
-3.13%
24th percentile
Loan growth YoY
-3.32%
48th percentile
Share growth YoY
-5.36%
19th percentile

Operations

Members / branch
656
30th percentile
Assets / member
$7,768
37th percentile
Field of membership penetration
71.30%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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