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.
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NCUA 5300 Call Report Masthead
#2,930 of 4,374 health · 2025Q4Louisville Federal · health 78/100 · $32.9M · 2025Q4
Call Report peers
Louisville Federal in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Louisville Federal sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Kentucky, Lexington Postal Community (#35) scores 79/100, 1 point higher; one place down, Louisville Gas and Electric Company (#37) ties at 78/100.
Quarter path for Louisville Federal
Louisville Federal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $32.9M (2025Q4) to $34.9M (2026Q1).
- Net-worth ratio shifted -1.15 pp (22.36% → 21.21%).
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
Louisville Federal gives up 22 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Louisville Federal financially healthy?
Louisville Federal has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,930 of 4,374 nationally on health and #36 of 54 in Kentucky. Its net worth ratio is 21.21% and its delinquency rate 0.76%.
How does Louisville Federal compare to other credit unions?
Louisville Federal scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (21.21% vs 14.86%). Its widest shortfall is loan-to-share ratio (37.58% vs 59.80%).
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?
Louisville Federal is a state-chartered 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. Louisville Federal's net worth ratio of 21.21% 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.