The Department of Financial Institutions (DFI) released the 2015 Annual Report. The report summarizes the status of state-chartered banks, credit unions, lenders and investment firms in Kentucky. DFI supervises 137 state-chartered banks with assets from $22 million to $4.2 billion and 25 state-chartered credit unions with assets from $666,000 to $1.03 billion. While the low interest rate environment has compressed the net interest margin, depository institutions have been able to maintain earnings through improved asset quality and more efficient operations.