Federal credit union · BARDSTOWN, Kentucky · NCUA charter #18172
Old Kentucky Home
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $19.5M
- Total assets
- 2,331
- Members
- 12.3%
- Net-worth ratio
Old Kentucky Home scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.5M; members 2,331; net-worth ratio 12.28%; health rank #18 of 4,374; healthier than 99th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#18 of 4,374 health · 2025Q4Old Kentucky Home · health 100/100 · $19.5M · 2025Q4
Call Report peers
Old Kentucky Home in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Old Kentucky Home vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Old Kentucky Home sits in 100 with 34 others.
100 Top 1% higher than 99% 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
Where Old Kentucky Home diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +21.28 pp (81.08% vs 59.80%).
- Net Worth Ratio trails the peer set - 12.28% here, 14.86% peer average (-2.58 pp).
Where Old Kentucky Home sits in Kentucky
- Health composite ranks #1 of 54 among scored Kentucky credit unions.
- Kentucky assets place: #40 of 54.
- Member book place in Kentucky: #35 of 54.
- No Kentucky credit union scores higher; the runner-up, TRANSCEND (#2) scores 98/100, 2 points lower.
Old Kentucky Home Call Report trajectory
Old Kentucky Home: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $19.5M (2025Q4) to $19.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (12.20% → 12.28%).
This credit union's 12.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
Old Kentucky Home gives up 0 points in total. Member Growth costs the most, 0.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 15.4 pts
Old Kentucky Home vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.28% | -2.58 pp |
| Delinquency Rate | 0.43% | -0.71 pp |
| Return on Assets | 1.13% | +0.43 pp |
| Member Growth | 4.67% | - |
| Loan-to-Share Ratio | 81.08% | +21.28 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Old Kentucky Home filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.6M | - |
| 2025Q4 | $19.5M | 2,331 |
| 2024Q4 | $19.6M | 2,227 |
| 2023Q4 | $19.6M | 2,157 |
Credit Union Details
- Charter Number
- 18172
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- BARDSTOWN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Old Kentucky Home.
| Office | City |
|---|---|
| Old Kentucky Home Federal Credit Union (Main Office) | BARDSTOWN, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Old Kentucky Home ranks #18 of 4,374 nationally on financial health and #1 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ARH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ARH
Frequently Asked Questions
Is Old Kentucky Home financially healthy?
On its 2025Q4 NCUA 5300 filing, Old Kentucky Home scores 100/100 (Excellent), with a 12.28% net worth ratio and 0.43% of loans delinquent. It ranks #18 of 4,374 nationally on health and #1 of 54 in Kentucky.
How does Old Kentucky Home compare to other credit unions?
Old Kentucky Home scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.08% vs 59.80%). Its widest shortfall is net worth ratio (12.28% vs 14.86%).
How can I join Old Kentucky Home?
Old Kentucky Home 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 Old Kentucky Home directly for the exact boundaries and application steps.
Is my money safe at Old Kentucky Home?
Old Kentucky Home 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. Old Kentucky Home's net worth ratio of 12.28% 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.