LOUISVILLE FEDERAL
Charter #62433 · Louisville, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.21% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.43% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.69% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.26% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 82.68% sits at the 77th 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 | LOUISVILLE FEDERAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.86M | 72th pct | 62th pct |
| Members | 2,184 | 54th pct | 54th pct |
| Net worth ratio | 21.21% | 89th pct | 80th pct |
| Return on average assets | 0.43% | 38th pct | 13th pct |
| Net interest margin | 2.69% | 9th pct | 13th pct |
| Cost of funds | 0.26% | 18th pct | 21th pct |
| Loan-to-share | 35.66% | 16th pct | 36th pct |
| Delinquency 60+ days | 1.11% | 71th pct | 69th pct |
| Net charge-off ratio | 0.21% | 57th pct | 62th pct |
| Loan growth YoY | -5.23% | 28th pct | 31th pct |
| Share growth YoY | 7.84% | 90th pct | 92th pct |
| Efficiency ratio | 82.68% | 56th pct | 77th pct |
structural peer set hash: e54e3dd6d34d4bb49238c32f39797d11… (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.