NORTHERN KENTUCKY
Charter #21339 · Highland Height, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,790 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.77% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.25% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 26th — a 19-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 | NORTHERN KENTUCKY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.73M | 89th pct | 72th pct |
| Members | 6,790 | 99th pct | 93th pct |
| Net worth ratio | 13.42% | 48th pct | 52th pct |
| Return on average assets | 1.77% | 91th pct | 85th pct |
| Net interest margin | 4.34% | 73th pct | 72th pct |
| Cost of funds | 0.25% | 18th pct | 25th pct |
| Loan-to-share | 49.37% | 36th pct | 46th pct |
| Delinquency 60+ days | 0.32% | 37th pct | 33th pct |
| Net charge-off ratio | 0.08% | 46th pct | 26th pct |
| Loan growth YoY | 3.56% | 89th pct | 90th pct |
| Share growth YoY | 5.00% | 74th pct | 72th pct |
| Efficiency ratio | 65.35% | 18th pct | 26th pct |
structural peer set hash: b7b933342fe22d5692a7546f12e684ca… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHERN KENTUCKY
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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.