Young Community

LOUISVILLE, KY · 1 · Charter #24950 · www.youngcommunitycredituni
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
$758.1K
5th percentile
Members
159
4th percentile
Total loans
$146.3K
5th percentile
Total shares
$447.9K
5th percentile

Profitability

Return on assets
-14.07%
0th percentile
Net interest margin
3.05%
20th percentile
Efficiency ratio
415.74%
0th percentile
Non-interest income ratio
11.52%
58th percentile

Capital & Risk

Net worth ratio
7.74%
4th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.55%
30th percentile
Loan-to-share
32.66%
14th percentile

Growth

Member growth YoY
-24.29%
1th percentile
Asset growth YoY
80.63%
100th percentile
Loan growth YoY
7536.27%
100th percentile
Share growth YoY
60.25%
100th percentile

Operations

Members / branch
159
6th percentile
Assets / member
$4,768
15th percentile
Field of membership penetration
31.80%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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