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
- DELQ 94/100
- ROA 12.0%
- ASSETS 0.24%
- MEM 0.90%
- RANK $22.2M
- PHOTO 1,841
- BOOK #507/4,374
- CHARTER Ibew/Sj Cascade
- NCUSIF 16947
Call Report peers
K I T in the assets neighbourhood
K I T's $22.2M assets sit next to Ibew/Sj Cascade ($22.3M) 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.
K I T 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
94 Top 13% higher than 87% 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
K I T - Share Insurance Coverage
Charter #16947's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How K I T's 5300 filing moved
K I T: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $22.2M (2025Q4) to $22.4M (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.87% → 12.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
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 | $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
K I T's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- 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 K I T financially healthy?
K I T has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #507 of 4,374; by total assets it ranks #3,075 of 4,374 nationally (same basis as /rankings/largest); and #39 of 54 within Kentucky. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.00% and delinquency rate of 0.24%.
How does K I T compare to other credit unions?
On PlainCU's health composite, K I T lands at 94/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like K I T 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. K I T's net worth ratio of 12.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does K I T offer compared to banks?
Credit unions like K I T 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 K I T 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.