State credit union · LOUISVILLE, Kentucky · NCUA charter #62482
Brown-Forman Employees
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $14.9M
- Total assets
- 1,326
- Members
- 19.6%
- Net-worth ratio
Brown-Forman Employees scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.9M; members 1,326; net-worth ratio 19.58%; health rank #3,237 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,237 of 4,374 health · 2025Q4Brown-Forman Employees · health 75/100 · $14.9M · 2025Q4
- CAMELS 75/100
- HEALTH 19.6%
- NW 1.79%
- DELQ 1.62%
- ROA $14.9M
- ASSETS 1,326
- MEM #3,237/4,374
- RANK CHARLESTON
- PHOTO 62482
Call Report peers
Brown-Forman Employees in the assets neighbourhood
Brown-Forman Employees's $14.9M assets sit next to CHARLESTON ($14.9M) 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.
Brown-Forman Employees 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
75 24th percentile higher than 24% 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
Brown-Forman Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62482. See our deposit-insurance coverage note.
Peer-gap read for Brown-Forman Employees
- Largest favorable gap: Loan-to-Share Ratio at 75.50% vs peer 59.80% (+15.70 pp).
- Delinquency Rate trails the peer set - 1.79% here, 1.15% peer average (+0.65 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Brown-Forman Employees: in-state Call Report ranks
- In Kentucky, health place is #43 of 54 on the same NCUA-ratio sort used nationally.
- Assets rank #43 of 54 inside Kentucky ($14.9M reported).
- Member book place in Kentucky: #46 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.
Brown-Forman Employees Call Report trajectory
Brown-Forman Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.0% from $14.9M (2025Q4) to $14.3M (2026Q1).
- Net-worth ratio shifted +0.86 pp (18.72% → 19.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.1 pts
- Return on Assets 15.0 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.58% | +4.72 pp |
| Delinquency Rate | 1.79% | +0.65 pp |
| Return on Assets | 1.62% | +0.91 pp |
| Member Growth | -4.47% | - |
| Loan-to-Share Ratio | 75.50% | +15.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.3M | - |
| 2025Q4 | $14.9M | 1,326 |
| 2024Q4 | $14.5M | 1,388 |
| 2023Q4 | $14.4M | 1,411 |
Credit Union Details
- Charter Number
- 62482
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- LOUISVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Brown-Forman Employees runs 2 offices.
| Office | City |
|---|---|
| BROWN-FORMAN EMPLYS CREDIT UNION (Main Office) | LOUISVILLE, KY |
| DATA VAULT | LOUISVILLE, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Brown-Forman Employees - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Brown-Forman Employees ranks #3,237 of 4,374 nationally on financial health and #43 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- W B H Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with W B H Employees
- 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 Brown-Forman Employees financially healthy?
A 19.58% net worth ratio and a 1.79% delinquency rate feed into Brown-Forman Employees's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,237 of 4,374; by total assets it ranks #3,329 of 4,374 nationally (same basis as /rankings/largest); and #43 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Brown-Forman Employees compare to other credit unions?
PlainCU's health composite puts Brown-Forman Employees at 75/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Brown-Forman Employees?
Membership eligibility for Brown-Forman Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Brown-Forman Employees directly for current membership requirements and application steps.
Is my money safe at Brown-Forman Employees?
Federal credit unions like Brown-Forman Employees 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. Brown-Forman Employees's net worth ratio of 19.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brown-Forman Employees offer compared to banks?
Credit unions like Brown-Forman Employees 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 Brown-Forman Employees 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.