University of Kentucky

Lexington, KY · 1 · Charter #24165 · www.ukfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.6B
37th percentile
Members
111,889
47th percentile
Total loans
$1.4B
47th percentile
Total shares
$1.3B
33th percentile

Profitability

Return on assets
0.99%
49th percentile
Net interest margin
3.47%
66th percentile
Efficiency ratio
49.05%
61th percentile
Non-interest income ratio
17.20%
40th percentile

Capital & Risk

Net worth ratio
11.19%
59th percentile
Delinquency rate
0.85%
40th percentile
Net charge-off rate
0.46%
55th percentile
Loan-to-share
110.48%
95th percentile

Growth

Member growth YoY
3.30%
62th percentile
Asset growth YoY
5.35%
47th percentile
Loan growth YoY
7.97%
68th percentile
Share growth YoY
4.42%
38th percentile

Operations

Members / branch
13,986
90th percentile
Assets / member
$14,726
19th percentile
Field of membership penetration
12.56%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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