MOREHEAD COMMUNITY
Charter #23070 · Morehead, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.67% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.90% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.03% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 36th — 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 | MOREHEAD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.02M | 34th pct | 30th pct |
| Members | 4,442 | 37th pct | 30th pct |
| Net worth ratio | 13.28% | 55th pct | 69th pct |
| Return on average assets | 1.67% | 90th pct | 87th pct |
| Net interest margin | 3.27% | 27th pct | 28th pct |
| Cost of funds | 1.90% | 91th pct | 92th pct |
| Loan-to-share | 50.67% | 31th pct | 46th pct |
| Delinquency 60+ days | 0.33% | 32th pct | 39th pct |
| Net charge-off ratio | 0.23% | 48th pct | 49th pct |
| Loan growth YoY | 0.08% | 66th pct | 59th pct |
| Share growth YoY | 3.21% | 55th pct | 36th pct |
| Efficiency ratio | 60.03% | 10th pct | 8th pct |
structural peer set hash: 8fc69ed48df3126e43d0b4084b306981… (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.