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
Call Report peers
KUE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); KUE sits in 75-79 with 502 others.
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
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%).
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.
- One place up in Kentucky, W B H Employees (#33) scores 80/100, 1 point higher; one place down, Lexington Postal Community (#35) ties at 79/100.
KUE Call Report trajectory
KUE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $53.9M (2025Q4) to $55.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.81% → 14.84%).
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
KUE gives up 21 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is KUE financially healthy?
On its 2025Q4 NCUA 5300 filing, KUE scores 79/100 (Very Good), with a 14.84% net worth ratio and 1.23% of loans delinquent. It ranks #2,840 of 4,374 nationally on health and #34 of 54 in Kentucky.
How does KUE compare to other credit unions?
KUE scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (14.84% vs 13.62%). Its widest shortfall is loan-to-share ratio (50.77% vs 62.60%).
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?
KUE 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. KUE's net worth ratio of 14.84% 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.