Rural Cooperatives

Louisville, KY · 2 · Charter #61693 · www.rccu.com
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
$33.7M
82th percentile
Members
3,094
86th percentile
Total loans
$10.1M
66th percentile
Total shares
$29.2M
83th percentile

Profitability

Return on assets
-0.65%
7th percentile
Net interest margin
3.77%
42th percentile
Efficiency ratio
102.28%
5th percentile
Non-interest income ratio
17.36%
76th percentile

Capital & Risk

Net worth ratio
11.98%
30th percentile
Delinquency rate
0.25%
68th percentile
Net charge-off rate
0.34%
41th percentile
Loan-to-share
34.50%
16th percentile

Growth

Member growth YoY
-6.55%
11th percentile
Asset growth YoY
-2.09%
29th percentile
Loan growth YoY
-16.15%
10th percentile
Share growth YoY
-2.41%
32th percentile

Operations

Members / branch
1,547
66th percentile
Assets / member
$10,893
64th percentile
Field of membership penetration
44.20%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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