The Health & Education

Lexington, KY · 1 · Charter #10800 · www.thefcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$121.2M
58th percentile
Members
12,222
80th percentile
Total loans
$44.4M
33th percentile
Total shares
$101.3M
56th percentile

Profitability

Return on assets
2.23%
95th percentile
Net interest margin
3.91%
64th percentile
Efficiency ratio
46.55%
88th percentile
Non-interest income ratio
10.18%
16th percentile

Capital & Risk

Net worth ratio
17.35%
88th percentile
Delinquency rate
0.57%
59th percentile
Net charge-off rate
0.18%
70th percentile
Loan-to-share
43.84%
12th percentile

Growth

Member growth YoY
-4.01%
17th percentile
Asset growth YoY
4.62%
56th percentile
Loan growth YoY
3.81%
64th percentile
Share growth YoY
2.93%
46th percentile

Operations

Members / branch
6,111
90th percentile
Assets / member
$9,918
13th percentile
Field of membership penetration
48.89%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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