UNIVERSITY OF KENTUCKY
Charter #24165 · Lexington, KY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.54% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.71% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.89% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 79.75% sits at the 84th percentile of structural peers — worth a closer look.
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 | UNIVERSITY OF KENTUCKY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.69B | 38th pct | 41th pct |
| Members | 112,948 | 46th pct | 43th pct |
| Net worth ratio | 11.04% | 57th pct | 61th pct |
| Return on average assets | 0.54% | 33th pct | 21th pct |
| Net interest margin | 3.35% | 50th pct | 36th pct |
| Cost of funds | 2.71% | 90th pct | 82th pct |
| Loan-to-share | 109.34% | 98th pct | 95th pct |
| Delinquency 60+ days | 0.89% | 73th pct | 75th pct |
| Net charge-off ratio | 0.47% | 45th pct | 52th pct |
| Loan growth YoY | 7.65% | 92th pct | 95th pct |
| Share growth YoY | 5.81% | 74th pct | 64th pct |
| Efficiency ratio | 79.75% | 77th pct | 84th pct |
structural peer set hash: 45663cca4d34717e5947e9976b828284… (reproducible)
Closest structural peers
This is the free public view
Claim UNIVERSITY OF 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.