State credit union · Louisville, Kentucky · NCUA charter #61123
Louisville Gas and Electric Company
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $47.8M
- Total assets
- 2,736
- Members
- 15.5%
- Net-worth ratio
Louisville Gas and Electric Company scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.8M; members 2,736; net-worth ratio 15.52%; health rank #2,945 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,945 of 4,374 health · 2025Q4Louisville Gas · health 78/100 · $47.8M · 2025Q4
- ROA 78/100
- ASSETS 15.5%
- MEM 0.96%
- RANK 0.87%
- PHOTO $47.8M
- BOOK 2,736
- CHARTER #2,945/4,374
- NCUSIF U.P.S. Employees
- CAMELS 61123
Call Report peers
Louisville Gas and Electric Company in the assets neighbourhood
Louisville Gas and Electric Company's $47.8M assets sit next to U.P.S. Employees ($47.8M) 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 Gas and Electric Company 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 Gas and Electric Company - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61123. See our deposit-insurance coverage note.
Where Louisville Gas and Electric Company diverges from peer averages
- Net Worth Ratio leads the peer set - 15.52% here, 14.86% peer average (+0.66 pp).
- Loan-to-Share Ratio trails the peer set - 57.97% here, 59.80% peer average (-1.83 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Louisville Gas and Electric Company sits in Kentucky
- Health composite ranks #37 of 54 among scored Kentucky credit unions.
- Kentucky assets place: #29 of 54.
- Member book place in Kentucky: #33 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 Louisville Gas and Electric Company's 5300 filing moved
Louisville Gas and Electric Company: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $47.8M (2025Q4) to $49.8M (2026Q1).
- Net-worth ratio shifted -0.41 pp (15.93% → 15.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 12.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.52% | +0.66 pp |
| Delinquency Rate | 0.96% | -0.18 pp |
| Return on Assets | 0.87% | +0.17 pp |
| Member Growth | -4.93% | - |
| Loan-to-Share Ratio | 57.97% | -1.83 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).
Louisville Gas and Electric Company quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.8M | - |
| 2025Q4 | $47.8M | 2,736 |
| 2024Q4 | $46.3M | 2,878 |
| 2023Q4 | $45.1M | 2,959 |
Credit Union Details
- Charter Number
- 61123
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Louisville Gas and Electric Company, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Louisville, KY |
| FiServ | Frisco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Louisville Gas and Electric Company, 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 ($47.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Louisville Gas and Electric Company ranks #2,945 of 4,374 nationally on financial health and #37 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metro Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metro Plus
- 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 Gas and Electric Company financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Louisville Gas and Electric Company carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,945 of 4,374; by total assets it ranks #2,434 of 4,374 nationally (same basis as /rankings/largest); and #29 of 54 within Kentucky. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.52% net worth ratio and a 0.96% delinquency rate.
How does Louisville Gas and Electric Company compare to other credit unions?
Louisville Gas and Electric Company scores 78/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Louisville Gas and Electric Company?
Membership eligibility for Louisville Gas and Electric Company depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Louisville Gas and Electric Company directly for current membership requirements and application steps.
Is my money safe at Louisville Gas and Electric Company?
Federal credit unions like Louisville Gas and Electric Company 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 Gas and Electric Company's net worth ratio of 15.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Louisville Gas and Electric Company offer compared to banks?
Credit unions like Louisville Gas and Electric Company 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 Gas and Electric Company 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.