Federal credit union · Highland Height, Kentucky · NCUA charter #21339
Northern Kentucky
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $41.2M
- Total assets
- 7,028
- Members
- 9.4%
- Net-worth ratio
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.
Northern Kentucky - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)73
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.36% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 1.55% | 15% |
| Member Growth | -14.11% | 15% |
| Loan-to-Share Ratio | 51.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Northern Kentucky
Headquartered in Highland Height, Kentucky, Northern Kentucky is a federal credit union with 7,028 members, $41.2M in total assets, and $18.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 79/100 (Very Good), driven in part by a net worth ratio of 9.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #21339 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 51.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.52% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.55% on net income of $637K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -14.11%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Northern Kentucky financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Northern Kentucky's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.36% 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 79/100, 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 9.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.