K I T
Charter #16947 · Louisville, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,844 sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.66% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 18th — a 24-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 | K I T | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.44M | 42th pct | 18th pct |
| Members | 1,844 | 40th pct | 16th pct |
| Net worth ratio | 12.00% | 36th pct | 46th pct |
| Return on average assets | 0.94% | 65th pct | 72th pct |
| Net interest margin | 4.48% | 77th pct | 59th pct |
| Cost of funds | 1.66% | 82th pct | 89th pct |
| Loan-to-share | 74.33% | 76th pct | 64th pct |
| Delinquency 60+ days | 0.56% | 48th pct | 46th pct |
| Net charge-off ratio | 0.38% | 66th pct | 69th pct |
| Loan growth YoY | 3.22% | 88th pct | 90th pct |
| Share growth YoY | 3.46% | 61th pct | 67th pct |
| Efficiency ratio | 79.02% | 47th pct | 39th pct |
structural peer set hash: b6931a3255a4543f4a2c5066137f2320… (reproducible)
Closest structural peers
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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.