K I T
Charter #16947 | KY
<100M
(2596 CUs)
Micro
($0-$500M)
37 <100M in KY
K I T demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Net Interest Margin 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,852
-0.7% YoY+0.5% QoQ
|
-773 |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
48th in tier |
| Assets |
$21.7M
+3.1% YoY+1.4% QoQ
|
$-8.2M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
50th in tier |
| Loans |
$14.1M
-1.0% YoY+1.4% QoQ
|
$-1.6M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
60th in tier |
| Deposits |
$19.0M
+1.1% YoY+1.2% QoQ
|
$-6.5M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
51st in tier |
| ROA |
2.2%
+179.4% YoY-17.8% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Top 6.1% in tier |
| NIM |
4.4%
+18.0% YoY+0.9% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
71st in tier |
| Efficiency Ratio |
61.8%
-23.9% YoY+12.2% QoQ
|
-19.6% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 16.7% in tier |
| Delinquency Rate |
0.2%
-70.6% YoY-48.6% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 24.6% in tier |
| Loan To Share |
74.5%
-2.1% YoY+0.2% QoQ
|
+13.3% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
69th in tier |
| AMR |
$17,870
+0.9% YoY+0.7% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
71st in tier |
| CD Concentration |
18.8%
-10.5% YoY+1.7% QoQ
|
-5.7% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
46
Fee Income Per Member
profitability
Value:
$328.57
Peer Avg: $182.96
#46 of 2596
Top 1.7% in <100M tier
158
Return on Assets (ROA)
profitability
Value:
2.22%
Peer Avg: 0.68%
#158 of 2596
Top 6.0% in <100M tier
434
Efficiency Ratio
profitability
Value:
61.79%
Peer Avg: 81.39%
#434 of 2596
Top 16.7% in <100M tier
534
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,629
Peer Avg: $5,488
#534 of 2596
Top 20.5% in <100M tier
639
Total Delinquency Rate (60+ days)
risk
Value:
0.16%
Peer Avg: 1.51%
#639 of 2596
Top 24.6% in <100M tier
Top Weaknesses (3 metrics)
2151
Net Charge-Off Rate
risk
Value:
0.86%
Peer Avg: 0.57%
#2151 of 2596
Bottom 17.2% in <100M tier
2132
First Mortgage Concentration (%)
balance_sheet
Value:
32.88%
Peer Avg: 14.49%
#2132 of 2596
Bottom 17.9% in <100M tier
2037
Members Per Employee (MPE)
engagement
Value:
231.500
Peer Avg: 365.701
#2037 of 2596
Bottom 21.6% in <100M tier