YOUR HOMETOWN
Charter #16702 · Mayfield, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,641 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.87% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -0.81% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 115.40% sits at the 93rd percentile of structural peers — worth a closer look.
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 | YOUR HOMETOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.13M | 54th pct | 26th pct |
| Members | 1,641 | 30th pct | 20th pct |
| Net worth ratio | 8.87% | 9th pct | 7th pct |
| Return on average assets | -0.81% | 7th pct | 7th pct |
| Net interest margin | 3.16% | 21th pct | 34th pct |
| Cost of funds | 1.09% | 62th pct | 70th pct |
| Loan-to-share | 35.04% | 15th pct | 21th pct |
| Delinquency 60+ days | 0.12% | 24th pct | 28th pct |
| Net charge-off ratio | -0.15% | 7th pct | 11th pct |
| Loan growth YoY | -22.56% | 0th pct | 0th pct |
| Share growth YoY | -3.49% | 6th pct | 3th pct |
| Efficiency ratio | 115.40% | 96th pct | 93th pct |
structural peer set hash: 94459b8869e53e7f7df4f724f035a841… (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.