State credit union · Louisville, Kentucky · NCUA charter #62433
Louisville Federal
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $32.9M
- Total assets
- 2,206
- Members
- 21.2%
- Net-worth ratio
Louisville Federal scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.9M; members 2,206; net-worth ratio 21.21%; health rank #2,930 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,930 of 4,374 health · 2025Q4Louisville Federal · health 78/100 · $32.9M · 2025Q4
- MEM 78/100
- RANK 21.2%
- PHOTO 0.76%
- BOOK 0.50%
- CHARTER $32.9M
- NCUSIF 2,206
- CAMELS #2,930/4,374
- HEALTH UP
- NW 62433
Call Report peers
Louisville Federal in the assets neighbourhood
Louisville Federal's $32.9M assets sit next to UP ($32.9M) 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.
Louisville Federal 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
78 31st percentile higher than 31% 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
Louisville Federal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62433 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Louisville Federal: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 21.21% vs peer 14.86% (+6.35 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.22 pp (37.58% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kentucky standing for Louisville Federal
- Kentucky health ordinal: #36 of 54.
- Kentucky assets place: #34 of 54.
- Member book place in Kentucky: #38 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.
Quarter path for Louisville Federal
Louisville Federal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.9% from $32.9M (2025Q4) to $34.9M (2026Q1).
- Net-worth ratio shifted -1.15 pp (22.36% → 21.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 15.0 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 9.3 pts
Louisville Federal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.21% | +6.35 pp |
| Delinquency Rate | 0.76% | -0.39 pp |
| Return on Assets | 0.50% | -0.20 pp |
| Member Growth | -4.25% | - |
| Loan-to-Share Ratio | 37.58% | -22.22 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).
Call Report history - Louisville Federal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.9M | - |
| 2025Q4 | $32.9M | 2,206 |
| 2024Q4 | $31.1M | 2,304 |
| 2023Q4 | $32.0M | 2,366 |
Credit Union Details
- Charter Number
- 62433
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Louisville Federal runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Branch 1 - 1420 Gardiner Lane (Main Office) | Louisville, KY |
| Branch 2 - Mazzoli Federal Building | Louisville, KY |
| Computer Marketing Corp | Sandy, UT |
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.
Other-state peers near Louisville Federal
Louisville Federal's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($32.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Louisville Federal ranks #2,930 of 4,374 nationally on financial health and #36 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Whitesville Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Whitesville Community
- 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 Louisville Federal financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Louisville Federal'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 #2,930 of 4,374; by total assets it ranks #2,783 of 4,374 nationally (same basis as /rankings/largest); and #34 of 54 within Kentucky. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.21% net worth ratio and 0.76% delinquency rate are the key drivers.
How does Louisville Federal compare to other credit unions?
PlainCU's health composite puts Louisville Federal at 78/100, compared to a peer group average for $10M–$50M 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 Louisville Federal?
Membership eligibility for Louisville Federal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Louisville Federal directly for current membership requirements and application steps.
Is my money safe at Louisville Federal?
Federal credit unions like Louisville Federal 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. Louisville Federal's net worth ratio of 21.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Louisville Federal offer compared to banks?
Credit unions like Louisville Federal 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 Louisville Federal 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.