Federal credit union · Highland Height, Kentucky · NCUA charter #21339
Northern Kentucky
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $41.2M
- Total assets
- 7,028
- Members
- 13.4%
- Net-worth ratio
Northern Kentucky scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.2M; members 7,028; net-worth ratio 13.42%; health rank #2,576 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,576 of 4,374 health · 2025Q4Northern Kentucky · health 81/100 · $41.2M · 2025Q4
- MEM 81/100
- RANK 13.4%
- PHOTO 0.52%
- BOOK 1.55%
- CHARTER $41.2M
- NCUSIF 7,028
- CAMELS #2,576/4,374
- HEALTH Sioux Valley Coop
- NW 21339
Call Report peers
Northern Kentucky in the assets neighbourhood
Northern Kentucky's $41.2M assets sit next to Sioux Valley Coop ($41.2M) 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.
Northern Kentucky 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
81 39th percentile higher than 39% 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
Northern Kentucky - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #21339, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Northern Kentucky diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.84 pp (1.55% vs 0.70%).
- Loan-to-Share Ratio trails the peer set - 51.93% here, 59.80% peer average (-7.87 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Northern Kentucky sits in Kentucky
- In Kentucky, health place is #32 of 54 on the same NCUA-ratio sort used nationally.
- By total assets, Northern Kentucky is #30 of 54 in Kentucky.
- Membership ranks #21 of 54 among Kentucky CUs with a reported count (7,028 members).
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 Northern Kentucky
Northern Kentucky: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.1% from $41.2M (2025Q4) to $43.7M (2026Q1).
- Net-worth ratio shifted -0.36 pp (13.78% → 13.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.2 pts
Northern Kentucky vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.42% | -1.44 pp |
| Delinquency Rate | 0.52% | -0.62 pp |
| Return on Assets | 1.55% | +0.84 pp |
| Member Growth | -14.11% | - |
| Loan-to-Share Ratio | 51.93% | -7.87 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 - Northern Kentucky
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.7M | - |
| 2025Q4 | $41.2M | 7,028 |
| 2024Q4 | $40.7M | 8,183 |
| 2023Q4 | $40.5M | 8,309 |
Credit Union Details
- Charter Number
- 21339
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Highland Height
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Northern Kentucky runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Northern Kentucky FCU - Highland Heights (Main Office) | Highland Heights, KY |
| Northern Kentucky FCU - Florence Location | Florence, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Cross-state Call Report peers for Northern Kentucky
Two NCUA Call Report peer sets for Northern Kentucky, 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 ($41.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Northern Kentucky ranks #2,576 of 4,374 nationally on financial health and #32 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AUDUBON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AUDUBON
- 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 Northern Kentucky financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Northern Kentucky'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 #2,576 of 4,374; by total assets it ranks #2,579 of 4,374 nationally (same basis as /rankings/largest); and #30 of 54 within Kentucky. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.42% net worth ratio and 0.52% delinquency rate are the key drivers.
How does Northern Kentucky compare to other credit unions?
On PlainCU's health composite, Northern Kentucky lands at 81/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Northern Kentucky?
Northern Kentucky 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 Northern Kentucky directly for the exact boundaries and application steps.
Is my money safe at Northern Kentucky?
Federal credit unions like Northern Kentucky 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. Northern Kentucky's net worth ratio of 13.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Kentucky offer compared to banks?
Credit unions like Northern Kentucky 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 Northern Kentucky 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.