OLD KENTUCKY HOME
Charter #18172 · BARDSTOWN, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.23% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.38% sits at the 85th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 70th — a 21-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 | OLD KENTUCKY HOME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.56M | 34th pct | 23th pct |
| Members | 2,251 | 56th pct | 41th pct |
| Net worth ratio | 12.28% | 39th pct | 48th pct |
| Return on average assets | 0.43% | 37th pct | 33th pct |
| Net interest margin | 5.02% | 92th pct | 70th pct |
| Cost of funds | 0.77% | 46th pct | 28th pct |
| Loan-to-share | 79.26% | 83th pct | 69th pct |
| Delinquency 60+ days | 0.23% | 31th pct | 18th pct |
| Net charge-off ratio | 0.04% | 41th pct | 26th pct |
| Loan growth YoY | 4.81% | 92th pct | 90th pct |
| Share growth YoY | 1.99% | 44th pct | 43th pct |
| Efficiency ratio | 93.38% | 79th pct | 85th pct |
structural peer set hash: 98e49dbcfde3e32b45f64957ee299037… (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.