Your Hometown

Mayfield, KY · 1 · Charter #16702 · www.yourhometownfcu.org
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
$27.9M
74th percentile
Members
1,682
57th percentile
Total loans
$9.8M
65th percentile
Total shares
$25.2M
77th percentile

Profitability

Return on assets
-0.31%
10th percentile
Net interest margin
3.44%
31th percentile
Efficiency ratio
83.84%
18th percentile
Non-interest income ratio
13.62%
65th percentile

Capital & Risk

Net worth ratio
8.82%
9th percentile
Delinquency rate
0.29%
66th percentile
Net charge-off rate
0.34%
41th percentile
Loan-to-share
38.97%
20th percentile

Growth

Member growth YoY
-33.39%
1th percentile
Asset growth YoY
4.24%
70th percentile
Loan growth YoY
-28.11%
3th percentile
Share growth YoY
5.13%
76th percentile

Operations

Members / branch
1,682
70th percentile
Assets / member
$16,604
90th percentile
Field of membership penetration
4.67%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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