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Horse profile

Credit Union (IRE)

5yo gelding · Trainer Jessica Bedi · Owner Miss J I Bedi
by Kodi Bear (IRE) out of Insieme (IRE) (Barathea)
6 runs · 4 courses · from Dec 2025
As at 1 Nov 2026 · KTB archive: GB, Ireland & France · 2005–present, updated daily
Last run 2 Oct 2026 · 6th of 6
KTB Profile

Credit Union is a gelding by Kodi Bear out of an Insieme mare. He has six runs without a win or a place on turf, all over jumps between 1m5f and 2m4f on good or good to soft going. Five of those runs came over 2m1f to 2m4f. He finished sixth of six at Hexham in Oct 2026 in a Class 4 novice hurdle.

Based on 6 archived runs · run-style from 6 commented runs since Dec 2025 · updated 1 Nov 2026
KTB at a glance Typically held up

KTB Speed and Rating

KTB Speed

Best recent Speed 55 the best of the last 1 graded (A or B) run · Newcastle, 11 Dec 2025

How fast the horse ran, as points against the day-corrected standard time for its course and distance: 100 is the median GB Class 4 handicap winner on that code; one point is 0.1% of the standard time. A, B or C is how much the day's card could tell us, not how good the run was. What this means →

Jumps 6 figures · best 78C · median 57.5
GoingRunsBestMedianSince 1 Nov 2025
Good465C51.54 runs · 65 / 51.5
Good to Soft278C66.52 runs · 78 / 66.5
DistanceRunsBestMedianSince 1 Nov 2025
2m1f – 2m4f578C555 runs · 78 / 55
1m5f – 2m1——1 run · —

KTB Speed v1 · batch 15 Sep 2026 · GB & Irish racing only · 6 figures from 6 runs · as at 10 Oct 2026 · a record, not a forecast

KTB Rating

Best recent KTB Rating 93C the best of the last 3 rated runs · Market Rasen, 15 Aug 2026

What the horse achieved in each race, in pounds on the official-rating scale, from the weight carried, the lengths beaten and the race's own level solved across the archive — never the market, never the official rating as a starting point. The headline is the best of the horse's last three rated runs on that code — its best recent day. The KTB Rating on a racecard is a different reading of the same figures: the level the horse has been running to, an average of up to its last six runs with the latest counting most, so the two can differ. A, B or C on a run is how much known form was in that race. What this means →

Jumps 6 figures · best 93C · median 87
GoingRunsBestMedianSince 1 Nov 2025
Good493C874 runs · 93 / 87
Good to Soft292C86.52 runs · 92 / 86.5
DistanceRunsBestMedianSince 1 Nov 2025
2m1f – 2m4f593C895 runs · 93 / 89
1m5f – 2m1——1 run · —

KTB Rating v1 · batch 3 Oct 2026 · GB & Irish racing only · 6 figures from 6 runs · as at 4 Oct 2026 · a record, not a forecast

Both figures are KTB's own, computed from the archive; no vendor rating enters either. Every run's figure is on its form line below with its grade. Grades measure how much the archive could see, never the merit of the run.

Run style from 6 analysed runs since Dec 2025

  • Held up 4 (67%) · 0 wins
  • Prominent 1 (17%) · 0 wins
  • Mid-division 1 (17%) · 0 wins

Pedigree intelligence

Sire
Kodi Bear (IRE)

Progeny in our archive have won 10.3% of 3,970 runs since Jun 2020 (389 horses).

Weakest over 1m2f – 1m4f (all codes): 7.3% from 259.

GoingRunsWinsSRvs sireThis horse
Firm11327.3%+17—
Good to Firm5356512.1%+1.8—
Good1,02710810.5%+0.20 from 4
Good to Soft378349%−1.30 from 2
Soft539519.5%−0.8—
Heavy145149.7%−0.6—
Standard (AW)1,33513410%−0.3—
Distance (all codes)RunsWinsSRvs sireThis horse
Under 6f5566912.4%+2.1—
6f – 7f2,24724010.7%+0.4—
1m – 1m1f735648.7%−1.6—
1m2f – 1m4f259197.3%−3—
1m5f – 2m112119.8%−0.50 from 1
2m1f – 2m4f4848.3%−20 from 5
2m5f – 3m10220%+9.7—
Over 3m300%−10.3—

Flat and jumps together (all codes) · since Jun 2020 · as at 31 Oct 2026 · rows under 30 runs muted · win % is the measure, a record not a forecast

Dam
Insieme (IRE) (Barathea)

7 siblings in the archive, 3 winners — best of them Goodwood Zodiac (IRE) (4 wins).

The wins came over 7f–1m4f; the highest grade won is Class 3 (Goodwood Zodiac (IRE)).

ProduceRunsWinsWin tripsBest grade
Goodwood Zodiac (IRE)1247f–1m2fClass 3
Collaborating (IRE)1711m1½f—
Tesorina (IRE)1911m4fClass 6
Kodis Well (IRE)70——
Myra Awnya (IRE)50——
Ms Frizzle (IRE)40——
Fulltime (IRE)80——

Record by conditions

GoingRunsWinsSR£1
Good 4 0 0% −4.00
Good to Soft 2 0 0% −2.00

ClassRunsWinsSR£1
Class 4 3 0 0% −3.00
Class 5 3 0 0% −3.00

CourseRunsWinsSR£1
Newcastle 3 0 0% −3.00
Hexham 1 0 0% −1.00
Sedgefield 1 0 0% −1.00
Market Rasen 1 0 0% −1.00

DistanceRunsWinsSR£1
2m1f – 2m4f 5 0 0% −5.00
1m5f – 2m 1 0 0% −1.00

JockeyRunsWinsSR£1
Conor Rabbitt 2 0 0% −2.00
Conor O'Farrell 2 0 0% −2.00
Aaron Anderson 2 0 0% −2.00

HeadgearRunsWinsSR£1
None 4 0 0% −4.00
Hood 2 0 0% −2.00

SeasonRunsWinsSR£1
2026 5 0 0% −5.00
2025 1 0 0% −1.00

TypeRunsWinsSR£1
Hurdle 3 0 0% −3.00
NH Flat 3 0 0% −3.00

Splits include every sample, however small — muted rows are under 3 runs. A one-from-one record is a fact, not a trend: read the Runs column before the strike rate.

Form

DateCourseRace PosBtn Wgt SpdKTB Jockey SP
2026 · 5 runs
02 Oct 26+35d Hexham David Clarke Memorial 'National Hunt' Novices' Hurdle Race (GBB Race) Class 4 · 2m · Good · 6 ran settled at back - three lengths adrift after 1st - under urging after 4th - dropped away after 2 out and ran on empty before last - finished 6th 6/6 7 10-11 65C83C Conor Rabbitt 250/1
28 Aug 26+13d Sedgefield Darlington Ra & Ellie Wake Novices' Hurdle Race (GBB Race) Class 4 · 2m4f · Good · 8 ran Sluggish start - stayed towards back of field throughout - well held in 6th 6/8 13 11-0 60C85C Conor O'Farrell 150/1
15 Aug 26+126d Market Rasen Get Best Odds With Oddschecker Maiden Hurdle Race (GBB Race) Class 4 · 2m4½f · Good · 10 ran Settled at back of field - lost touch after 3 out - well beaten at the finish 10/10 37 11-4 14C93C Conor O'Farrell 400/1
11 Apr 26+86d Newcastle High Gosforth Park Golf Club Open NH Flat Race (GBB Race) Class 5 · 2m1f · Good · 10 ran Held a forward position early - urged forward approaching 4f out - dropped away and finished well adrift 10/10 12 11-0 43C89C Conor Rabbitt 100/1
15 Jan 26+35d Newcastle Download The Raceday Ready App Open NH Flat Race (GBB Race) Class 5 · 2m1f · Good To Soft · 15 ran Settled at the back early - lost touch approaching 3f out - no real say in the finish - eventually well beaten in 14th 14/15 8 11-0 78C92C Aaron Anderson 250/1
2025 · 1 run
11 Dec 25 Newcastle Each Way Extra At bet365 Open NH Flat Race (GBB Race) Class 5 · 2m1f · Good To Soft · 11 ran Settled in the pack early - pushed along with over 3f remaining - dropped away thereafter - well beaten in 10th 10/11 4¼ 10-11 55B81A Aaron Anderson 22/1

Quick answers

How many races has Credit Union won?
Credit Union (IRE) has yet to win, from 6 archived starts between 2025 and 2026.
Who trains Credit Union?
Credit Union (IRE) is trained by Jessica Bedi, who saddled the horse on its most recent run on 2 October 2026.
Who is Credit Union's sire?
Credit Union (IRE) is by Kodi Bear (IRE) out of Insieme (IRE), whose sire is Barathea.
What is Credit Union's sire's record?
Kodi Bear (IRE)'s progeny in our archive have won 10.3% of 3,970 runs since Jun 2020 (389 horses), Flat and jumps together. Weakest over 1m2f – 1m4f (all codes): 7.3% from 259.
Who are Credit Union's siblings?
Out of Insieme (IRE), Credit Union (IRE) has 7 other produce in our archive, 3 of them winners. Most wins: Goodwood Zodiac (IRE) (4). Highest grade won: Class 3 (Goodwood Zodiac (IRE)). The wins came over 7f–1m4f. As at Nov 2026.

Record shown from December 2025. Our archive holds racing in Great Britain, Ireland and France from January 2005. Any runs before that, or in other countries, are not in it. In-running comments are available from 2024 onward.