GREEN RIVER AREA
Charter #12852 · OWENSBORO, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.44% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.51% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 54th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GREEN RIVER AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $60.13M | 26th pct | 54th pct |
| Members | 4,970 | 50th pct | 57th pct |
| Net worth ratio | 20.44% | 91th pct | 80th pct |
| Return on average assets | 1.38% | 81th pct | 62th pct |
| Net interest margin | 4.18% | 76th pct | 64th pct |
| Cost of funds | 0.76% | 37th pct | 33th pct |
| Loan-to-share | 73.77% | 74th pct | 54th pct |
| Delinquency 60+ days | 0.26% | 25th pct | 30th pct |
| Net charge-off ratio | 0.51% | 72th pct | 79th pct |
| Loan growth YoY | 1.62% | 76th pct | 72th pct |
| Share growth YoY | 3.98% | 64th pct | 56th pct |
| Efficiency ratio | 64.34% | 17th pct | 39th pct |
structural peer set hash: 5eca3bec6e71ff1c3b9783181e98c271… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.