MEMBERS HERITAGE
Charter #68661 · Lexington, KY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.67% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.20% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 81.44% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 38th — a 18-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 | MEMBERS HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $583.59M | 20th pct | 38th pct |
| Members | 54,828 | 82th pct | 66th pct |
| Net worth ratio | 12.32% | 75th pct | 74th pct |
| Return on average assets | 0.50% | 40th pct | 30th pct |
| Net interest margin | 3.41% | 42th pct | 38th pct |
| Cost of funds | 1.67% | 66th pct | 77th pct |
| Loan-to-share | 72.45% | 28th pct | 38th pct |
| Delinquency 60+ days | 0.54% | 44th pct | 43th pct |
| Net charge-off ratio | 0.20% | 21th pct | 7th pct |
| Loan growth YoY | 2.07% | 61th pct | 49th pct |
| Share growth YoY | 5.10% | 70th pct | 66th pct |
| Efficiency ratio | 81.44% | 64th pct | 75th pct |
structural peer set hash: d57c216662d9626749635d0ea8ff1e18… (reproducible)
Closest structural peers
This is the free public view
Claim MEMBERS HERITAGE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.