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
Call Report peers
Northern Kentucky in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Northern Kentucky sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Kentucky, The Health & Education (#31) ties at 81/100; one place down, W B H Employees (#33) scores 80/100, 1 point lower.
Quarter path for Northern Kentucky
Northern Kentucky: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.1% from $41.2M (2025Q4) to $43.7M (2026Q1).
- Net-worth ratio shifted -0.36 pp (13.78% → 13.42%).
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
Northern Kentucky gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Northern Kentucky financially healthy?
Northern Kentucky has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,576 of 4,374 nationally on health and #32 of 54 in Kentucky. Its net worth ratio is 13.42% and its delinquency rate 0.52%.
How does Northern Kentucky compare to other credit unions?
Northern Kentucky scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.55% vs 0.70%). Its widest shortfall is loan-to-share ratio (51.93% vs 59.80%).
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?
Northern Kentucky 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. Northern Kentucky's net worth ratio of 13.42% 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.