UNIVERSITY OF KENTUCKY

Charter #24165 | KY

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in KY

UNIVERSITY OF KENTUCKY has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 11.3% in tier
  • + Organic Growth Engine: Top 23.5% in tier
  • + ROA 0.06% above tier average
  • + Net Interest Margin 0.33% above tier average
  • + Loan-to-Share Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.8% in tier
  • - Liquidity Strain: Bottom 9.5% in tier
  • - Growth-at-Risk: Bottom 17.6% in tier
  • - Cost Spiral: Bottom 21.4% in tier
  • - Indirect Auto Dependency: Bottom 23.4% in tier
  • - Margin Compression: Bottom 28.0% in tier
  • - Efficiency ratio 0.30% above tier (higher cost structure)
  • - Delinquency rate 0.20% above tier average
  • - Share Certificate Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 110,916
+2.3% YoY+1.2% QoQ
 +12.2K 98,678
-1.9% YoY
 18,350
+6.5% YoY
 33,089
+6.1% YoY
 67th in tier
Assets $1.6B
+1.9% YoY+2.4% QoQ
 $-133.2M $1.7B
+0.5% YoY
 $291.9M
+10.4% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $1.3B
+1.9% YoY+2.6% QoQ
 +$107.1M $1.2B
+0.5% YoY
 $208.5M
+10.3% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $1.2B
+1.8% YoY+1.3% QoQ
 $-207.4M $1.5B
+1.3% YoY
 $245.3M
+10.3% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 0.8%
-14.7% YoY+16.6% QoQ
 +0.1% 0.7%
+13.4% YoY
 0.2%
-216.5% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 3.6%
+3.4% YoY+1.2% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.6%
+4.6% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 74.3%
+7.8% YoY-2.3% QoQ
 +0.3% 74.0%
-10.9% YoY
 85.0%
-21.4% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 1.0%
+34.8% YoY+44.2% QoQ
 +0.2 0.8%
+6.1% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 Top 23.7% in tier
Loan To Share 107.5%
+0.1% YoY+1.3% QoQ
 +22.3% 85.2%
-0.8% YoY
 65.5%
-4.4% YoY
 68.0%
-1.7% YoY
 Top 3.0% in tier
AMR $23,325
-0.4% YoY+0.8% QoQ
 $-6K $29,172
+2.8% YoY
 $16,917
+3.2% YoY
 $19,418
+1.3% YoY
 Bottom 23.0% in tier
CD Concentration 40.4%
-14.9% YoY-2.1% QoQ
 +11.5% 29.0%
+0.8% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 Top 10.3% in tier
Indirect Auto % 28.2%
-17.4% YoY-12.7% QoQ
 +9.4% 18.8%
-2.8% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 73rd in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#61 of 184 • Top 11.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.29%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#171 of 246 • Top 23.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.29%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.77%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 28.24%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk
#53 of 217 • Bottom 6.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.26% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk
#51 of 183 • Bottom 9.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 107.48%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.94%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Growth-at-Risk

risk
#99 of 161 • Bottom 17.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.94%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.26% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Cost Spiral

risk
#13 of 14 • Bottom 21.4% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.40% points
(Tier: -7.46% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $1.59B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
14 of 380 Mid-Market CUs have this signature | 80 nationally
→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#145 of 202 • Bottom 23.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.90%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 28.24%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Margin Compression

decline
#24 of 24 • Bottom 28.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.13% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $1.59B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

9
Loan-to-Share Ratio
balance_sheet
Value: 107.48%
Peer Avg: 85.19%
#9 of 304 Top 2.6% in 1B-3B tier
45
First Mortgage Concentration (%)
balance_sheet
Value: 18.90%
Peer Avg: 34.01%
#45 of 304 Top 14.5% in 1B-3B tier

Top Weaknesses (4 metrics)

278
Share Certificate Concentration (%)
balance_sheet
Value: 40.44%
Peer Avg: 28.53%
#278 of 304 Bottom 8.9% in 1B-3B tier
235
AMR Growth Rate
growth
Value: -0.40%
Peer Avg: 3.29%
#235 of 304 Bottom 23.0% in 1B-3B tier
234
Average Member Relationship (AMR)
engagement
Value: $23,325
Peer Avg: $29,172
#234 of 304 Bottom 23.4% in 1B-3B tier
233
Total Delinquency Rate (60+ days)
risk
Value: 1.03%
Peer Avg: 0.83%
#233 of 304 Bottom 23.7% in 1B-3B tier