It is possible to have normal serum glucose and still be insulin-resistant. The most sensitive measure of insulin resistance is the insulin-response pattern shown during an oral glucose tolerance test. The late Dr. Joseph Kraft identified five patterns, four of which indicated that diagnosis of Type II diabetes was likely in the future. Dr. Kraft maintained that this actually already was diabetes, even though serum glucose was not yet out of control, and possibly wouldn’t be until as much as twenty years in the future. Since for good or ill, the loss of glucose control is the official diagnostic of Type II diabetes, today we would simply call it pre-diabetes or insulin-resistance.
As for your ratio of triglycerides to HDL, I am assuming it is in U.S. units (mg/dL), which means it is very good and probably indicative of good insulin sensitivity.
It may not be helpful to use BMI as a guide. Very fit body builders often register as obese by BMI, which to me indicates limited usefulness. Better to use a DEXA scan or the caliper measurement of body composition as your guide to fitness or the lack thereof.
As for trying to exercise off poundage, that is probably not worth the effort, according to various studies. It is easier to shed excess fat (assuming that’s what those 25 pounds actually are) by staying in ketosis. But there are a number of factors that regulate body weight, and we used to use the term “Phinney weight” here on the forums, in recognition of Dr. Phinney’s advice to get to a weight that would could achieve and maintain reasonably, without too much effort. Arguing with our body is difficult, and in any case Dr. Phinney says that he and Prof. Volek have typically seen a fat loss on keto amounting to about 20-25% of starting weight. Further loss can sometimes be seen, after the body has spent some time at the new settling point. Sometimes eating more helps, and sometimes cutting out carbohydrate entirely leads to the loss of more fat.
It was Ancel Keys himself who showed that our cholesterol intake has nothing to do with the level of cholesterol in the body.