State credit union · Louisville, Kentucky · NCUA charter #68617
Autotruck Financial
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $210.0M
- Total assets
- 17,497
- Members
- 12.9%
- Net-worth ratio
Autotruck Financial scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $210.0M; members 17,497; net-worth ratio 12.88%; health rank #2,974 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,974 of 4,374 health · 2025Q4Autotruck Financial · health 78/100 · $210.0M · 2025Q4
- CHARTER 78/100
- NCUSIF 12.9%
- CAMELS 1.28%
- HEALTH 1.23%
- NW $210.0M
- DELQ 17,497
- ROA #2,974/4,374
- ASSETS ACCENTRA
- MEM 68617
Autotruck Financial in the assets neighbourhood
Autotruck Financial's $210.0M assets sit next to ACCENTRA ($209.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Autotruck Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Autotruck Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68617, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Autotruck Financial
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.77 pp (12.88% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 48.36% vs peer 72.20% (-23.84 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Autotruck Financial: in-state Call Report ranks
- Kentucky health ordinal: #38 of 54.
- By total assets, Autotruck Financial is #14 of 54 in Kentucky.
- Member book place in Kentucky: #12 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Autotruck Financial Call Report trajectory
Autotruck Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $210.0M (2025Q4) to $219.1M (2026Q1).
- Net-worth ratio shifted -0.50 pp (13.38% → 12.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.9 pts
- Return on Assets 15.0 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 10.7 pts
Call Report ratios for Autotruck Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.88% | +0.77 pp |
| Delinquency Rate | 1.28% | +0.38 pp |
| Return on Assets | 1.23% | +0.60 pp |
| Member Growth | -2.58% | - |
| Loan-to-Share Ratio | 48.36% | -23.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Autotruck Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $219.1M | - |
| 2025Q4 | $210.0M | 17,497 |
| 2024Q4 | $192.7M | 17,960 |
| 2023Q4 | $185.5M | 18,303 |
Credit Union Details
- Charter Number
- 68617
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (7)
Autotruck Financial operates 7 offices across 6 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Louisville, KY |
| VISA Data Center | Alpharetta, GA |
| Bowling Green Branch | Bowling Green, KY |
| Credit Union Mortgage Association Inc | Fairfax, VA |
| Glasgow Branch | Glasgow, KY |
| Eastpoint Branch | Louisville, KY |
| Logan Aluminum | Russellville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Autotruck Financial nationwide neighbourhoods
Cross-state asset and health neighbours for Autotruck Financial - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($210.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Autotruck Financial ranks #2,974 of 4,374 nationally on financial health and #38 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Service One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Service One
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Autotruck Financial financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Autotruck Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,974 of 4,374; by total assets it ranks #1,248 of 4,374 nationally (same basis as /rankings/largest); and #14 of 54 within Kentucky. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.88% net worth ratio and 1.28% delinquency rate are the key drivers.
How does Autotruck Financial compare to other credit unions?
On PlainCU's health composite, Autotruck Financial lands at 78/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Autotruck Financial?
Membership eligibility for Autotruck Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Autotruck Financial directly for current membership requirements and application steps.
Is my money safe at Autotruck Financial?
Federal credit unions like Autotruck Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Autotruck Financial's net worth ratio of 12.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Autotruck Financial offer compared to banks?
Credit unions like Autotruck Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Autotruck Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.