Northern Kentucky

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

$41.2M

91^th percentile

Members

7,028

99^th percentile

Total loans

$18.2M

85^th percentile

Total shares

$35.0M

91^th percentile

Profitability

Return on assets

1.65%

84^th percentile

Net interest margin

4.53%

70^th percentile

Efficiency ratio

66.47%

50^th percentile

Non-interest income ratio

15.70%

71^th percentile

Capital & Risk

Net worth ratio

13.78%

42^th percentile

Delinquency rate

0.52%

57^th percentile

Net charge-off rate

0.02%

72^th percentile

Loan-to-share

51.93%

37^th percentile

Growth

Member growth YoY

-14.11%

2^th percentile

Asset growth YoY

1.31%

51^th percentile

Loan growth YoY

7.16%

85^th percentile

Share growth YoY

0.17%

48^th percentile

Operations

Members / branch

2,343

84^th percentile

Assets / member

$5,863

22^th percentile

Field of membership penetration

4.69%

17^th percentile

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