Federal credit union · Louisville, Kentucky · NCUA charter #16947
K I T
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $22.2M
- Total assets
- 1,841
- Members
- 12.0%
- Net-worth ratio
K I T scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.2M; members 1,841; net-worth ratio 12.00%; health rank #507 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#507 of 4,374 health · 2025Q4K I T · health 94/100 · $22.2M · 2025Q4
Call Report peers
K I T in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
K I T vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); K I T sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where K I T diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +14.94 pp (74.74% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -2.86 pp (12.00% vs 14.86%).
K I T: in-state Call Report ranks
- In Kentucky, health place is #9 of 54 on the same NCUA-ratio sort used nationally.
- By total assets, K I T is #39 of 54 in Kentucky.
- Member book place in Kentucky: #42 of 54.
- One place up in Kentucky, Members Heritage (#8) ties at 94/100; one place down, Main Impact (#10) ties at 94/100.
How K I T's 5300 filing moved
K I T: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $22.2M (2025Q4) to $22.4M (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.87% → 12.00%).
At 12.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
K I T gives up 6 points in total. Member Growth costs the most, 6.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.00% | -2.86 pp |
| Delinquency Rate | 0.24% | -0.90 pp |
| Return on Assets | 0.90% | +0.20 pp |
| Member Growth | -0.05% | - |
| Loan-to-Share Ratio | 74.74% | +14.94 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.4M | - |
| 2025Q4 | $22.2M | 1,841 |
| 2024Q4 | $20.8M | 1,842 |
| 2023Q4 | $20.0M | 1,917 |
Credit Union Details
- Charter Number
- 16947
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (2)
K I T operates 2 offices in Louisville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Louisville, KY |
| Office ATM | Louisville, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- K I T ranks #507 of 4,374 nationally on financial health and #9 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Main Impact is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Main Impact
Frequently Asked Questions
Is K I T financially healthy?
On its 2025Q4 NCUA 5300 filing, K I T scores 94/100 (Excellent), with a 12.00% net worth ratio and 0.24% of loans delinquent. It ranks #507 of 4,374 nationally on health and #9 of 54 in Kentucky.
How does K I T compare to other credit unions?
K I T scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.74% vs 59.80%). Its widest shortfall is net worth ratio (12.00% vs 14.86%).
How can I join K I T?
K I T 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 K I T directly for the exact boundaries and application steps.
Is my money safe at K I T?
K I T 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. K I T's net worth ratio of 12.00% 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.