GREATER KENTUCKY CU, INC.
Charter #62228 · LEXINGTON, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.03% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.06% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.87% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.24% sits at the 93rd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 28th — a 23-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 | GREATER KENTUCKY CU, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $85.55M | 77th pct | 66th pct |
| Members | 9,295 | 94th pct | 72th pct |
| Net worth ratio | 11.79% | 38th pct | 51th pct |
| Return on average assets | 0.03% | 14th pct | 13th pct |
| Net interest margin | 3.06% | 19th pct | 2th pct |
| Cost of funds | 1.87% | 90th pct | 85th pct |
| Loan-to-share | 83.79% | 88th pct | 70th pct |
| Delinquency 60+ days | 0.66% | 52th pct | 57th pct |
| Net charge-off ratio | 0.26% | 51th pct | 28th pct |
| Loan growth YoY | -7.93% | 6th pct | 2th pct |
| Share growth YoY | -3.11% | 4th pct | 8th pct |
| Efficiency ratio | 98.24% | 93th pct | 93th pct |
structural peer set hash: 1d3c50e91e6b6bce2572c729f3bb19da… (reproducible)
Closest structural peers
This is the free public view
Claim GREATER KENTUCKY CU, INC.
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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.