Federal credit union · Louisville, Kentucky · NCUA charter #9106
Class Act
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $341.6M
- Total assets
- 23,015
- Members
- 11.1%
- Net-worth ratio
Class Act scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $341.6M; members 23,015; net-worth ratio 11.05%; health rank #111 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#111 of 4,374 health · 2025Q4Class Act · health 98/100 · $341.6M · 2025Q4
Call Report peers
Class Act in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Class Act vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Class Act sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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
Class Act vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +7.14 pp (79.34% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.06 pp (11.05% vs 12.11%).
Kentucky standing for Class Act
- Kentucky health ordinal: #3 of 54.
- Kentucky assets place: #12 of 54.
- Kentucky membership ordinal: #10 of 54.
- One place up in Kentucky, TRANSCEND (#2) ties at 98/100; one place down, Daviess County Teachers (#4) scores 96/100, 2 points lower.
Quarter path for Class Act
Class Act: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $341.6M (2025Q4) to $352.3M (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.06% → 11.05%).
This credit union's 11.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Class Act gives up 2 points in total. Delinquency Rate costs the most, 1.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 14.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.05% | -1.06 pp |
| Delinquency Rate | 0.64% | -0.25 pp |
| Return on Assets | 0.83% | +0.21 pp |
| Member Growth | 4.21% | - |
| Loan-to-Share Ratio | 79.34% | +7.14 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Class Act quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $352.3M | - |
| 2025Q4 | $341.6M | 23,015 |
| 2024Q4 | $318.4M | 22,086 |
| 2023Q4 | $301.1M | 21,023 |
Credit Union Details
- Charter Number
- 9106
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Class Act.
| Office | City |
|---|---|
| Main Office (Main Office) | Louisville, KY |
| UofL Branch | Louisville, KY |
| Doss High School Branch | Louisville, KY |
| Southern High School Branch | Louisville, KY |
| East Branch | Louisville, KY |
| Jeffersontown High School | Louisville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Cross-state Call Report peers for Class Act
Using this data
- Class Act ranks #111 of 4,374 nationally on financial health and #3 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- C-PLANT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with C-PLANT
Frequently Asked Questions
Is Class Act financially healthy?
Class Act has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #111 of 4,374 nationally on health and #3 of 54 in Kentucky. Its net worth ratio is 11.05% and its delinquency rate 0.64%.
How does Class Act compare to other credit unions?
Class Act scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.34% vs 72.20%). Its widest shortfall is net worth ratio (11.05% vs 12.11%).
How can I join Class Act?
Class Act operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Class Act directly for the exact boundaries and application steps.
Is my money safe at Class Act?
Class Act is a federal credit union; its shares are federally 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. Class Act's net worth ratio of 11.05% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.