KUE
Charter #22478 · Lexington, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,760 sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.96% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.97% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.10% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 52nd — a 28-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 | KUE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.59M | 14th pct | 26th pct |
| Members | 2,760 | 7th pct | 16th pct |
| Net worth ratio | 14.84% | 69th pct | 59th pct |
| Return on average assets | 0.96% | 64th pct | 75th pct |
| Net interest margin | 2.97% | 15th pct | 20th pct |
| Cost of funds | 1.23% | 67th pct | 69th pct |
| Loan-to-share | 46.57% | 24th pct | 52th pct |
| Delinquency 60+ days | 1.42% | 84th pct | 72th pct |
| Net charge-off ratio | 0.10% | 33th pct | 21th pct |
| Loan growth YoY | 4.38% | 90th pct | 92th pct |
| Share growth YoY | 1.44% | 35th pct | 43th pct |
| Efficiency ratio | 74.76% | 35th pct | 36th pct |
structural peer set hash: 14be27795d79fa6dbbe3096458cf90a6… (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.