BROWN-FORMAN EMPLOYEES
Charter #62482 · LOUISVILLE, KY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.58% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 4.06% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 52nd — a 24-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 | BROWN-FORMAN EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.27M | 18th pct | 26th pct |
| Members | 1,303 | 17th pct | 33th pct |
| Net worth ratio | 19.58% | 83th pct | 75th pct |
| Return on average assets | 0.32% | 31th pct | 30th pct |
| Net interest margin | 4.18% | 66th pct | 46th pct |
| Cost of funds | 0.78% | 47th pct | 36th pct |
| Loan-to-share | 74.64% | 77th pct | 52th pct |
| Delinquency 60+ days | 1.68% | 81th pct | 64th pct |
| Net charge-off ratio | 4.06% | 98th pct | 93th pct |
| Loan growth YoY | -4.10% | 37th pct | 39th pct |
| Share growth YoY | -8.05% | 1th pct | 3th pct |
| Efficiency ratio | 71.56% | 29th pct | 36th pct |
structural peer set hash: 20cd3941ed6cf5863dc3fe4ffdf8abfc… (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.