Federal credit union · Lexington, Kentucky · NCUA charter #22478
KUE
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $53.9M
- Total assets
- 2,815
- Members
- 14.8%
- Net-worth ratio
KUE scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.9M; members 2,815; net-worth ratio 14.84%; health rank #2,840 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,840 of 4,374 health · 2025Q4KUE · health 79/100 · $53.9M · 2025Q4
- DELQ 79/100
- ROA 14.8%
- ASSETS 1.23%
- MEM 0.62%
- RANK $53.9M
- PHOTO 2,815
- BOOK #2,840/4,374
- CHARTER BAPTIST
- NCUSIF 22478
Call Report peers
KUE in the assets neighbourhood
KUE's $53.9M assets sit next to BAPTIST ($53.9M) 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.
KUE 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
79 33rd percentile higher than 33% 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
KUE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #22478. See our deposit-insurance coverage note.
Where KUE diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +1.22 pp (14.84% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.83 pp (50.77% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kentucky standing for KUE
- Kentucky health ordinal: #34 of 54.
- Assets rank #27 of 54 inside Kentucky ($53.9M reported).
- Member book place in Kentucky: #32 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.
KUE Call Report trajectory
KUE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $53.9M (2025Q4) to $55.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.81% → 14.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 15.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 10.9 pts
KUE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.84% | +1.22 pp |
| Delinquency Rate | 1.23% | +0.27 pp |
| Return on Assets | 0.62% | -0.04 pp |
| Member Growth | -2.36% | - |
| Loan-to-Share Ratio | 50.77% | -11.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.6M | - |
| 2025Q4 | $53.9M | 2,815 |
| 2024Q4 | $53.0M | 2,883 |
| 2023Q4 | $52.3M | 2,975 |
Credit Union Details
- Charter Number
- 22478
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Kentucky
- City
- Lexington
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for KUE.
| Office | City |
|---|---|
| Main Office (Main Office) | Lexington, 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
Two NCUA Call Report peer sets for KUE, both outside Kentucky so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- KUE ranks #2,840 of 4,374 nationally on financial health and #34 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Green River Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Green River Area
- 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 KUE financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - KUE'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 #2,840 of 4,374; by total assets it ranks #2,344 of 4,374 nationally (same basis as /rankings/largest); and #27 of 54 within Kentucky. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.84% net worth ratio and 1.23% delinquency rate are the key drivers.
How does KUE compare to other credit unions?
PlainCU's health composite puts KUE at 79/100, compared to a peer group average for $50M–$100M 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 KUE?
KUE 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 KUE directly for the exact boundaries and application steps.
Is my money safe at KUE?
Federal credit unions like KUE 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. KUE's net worth ratio of 14.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KUE offer compared to banks?
Credit unions like KUE 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 KUE 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.