Modern Employees

OWENSBORO, KY · 1 · Charter #8940 · www.modernefcu.net
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
$5.5M
27th percentile
Members
511
18th percentile
Total loans
$2.3M
25th percentile
Total shares
$5.0M
30th percentile

Profitability

Return on assets
-9.66%
1th percentile
Net interest margin
4.81%
78th percentile
Efficiency ratio
127.93%
2th percentile
Non-interest income ratio
14.90%
68th percentile

Capital & Risk

Net worth ratio
8.48%
7th percentile
Delinquency rate
4.89%
7th percentile
Net charge-off rate
4.44%
2th percentile
Loan-to-share
44.82%
28th percentile

Growth

Member growth YoY
-19.78%
2th percentile
Asset growth YoY
-6.26%
13th percentile
Loan growth YoY
-16.15%
10th percentile
Share growth YoY
2.29%
60th percentile

Operations

Members / branch
511
23th percentile
Assets / member
$10,809
63th percentile
Field of membership penetration
34.07%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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