Federal credit union · Louisville, Kentucky · NCUA charter #24931
PARK
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.42B
- Total assets
- 80,079
- Members
- 17.6%
- Net-worth ratio
PARK scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.42B; members 80,079; net-worth ratio 17.59%; health rank #2,538 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,538 of 4,374 health · 2025Q4PARK · health 81/100 · $1.42B · 2025Q4
Call Report peers
PARK in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PARK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PARK 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
PARK: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 92.49% vs peer 83.90% (+8.59 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.29 pp (2.16% vs 0.87%).
Kentucky standing for PARK
- Kentucky health ordinal: #30 of 54.
- Kentucky assets place: #5 of 54.
- Membership ranks #5 of 54 among Kentucky CUs with a reported count (80,079 members).
- One place up in Kentucky, AUDUBON (#29) scores 83/100, 2 points higher; one place down, The Health & Education (#31) ties at 81/100.
PARK Call Report trajectory
PARK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $1.42B (2025Q4) to $1.45B (2026Q1).
- Net-worth ratio shifted -0.23 pp (17.82% → 17.59%).
This credit union's 17.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
PARK gives up 19 points in total. Delinquency Rate costs the most, 13.5 of its 25; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.5 pts
- Return on Assets 10.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for PARK
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.59% | +6.41 pp |
| Delinquency Rate | 2.16% | +1.29 pp |
| Return on Assets | 0.21% | -0.30 pp |
| Member Growth | 6.34% | - |
| Loan-to-Share Ratio | 92.49% | +8.59 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
PARK filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.45B | - |
| 2025Q4 | $1.42B | 80,079 |
| 2024Q4 | $1.32B | 75,303 |
| 2023Q4 | $1.33B | 77,089 |
Credit Union Details
- Charter Number
- 24931
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for PARK, spread across 7 cities in 2 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Louisville, KY |
| Berea Office | Berea, KY |
| Clarksville Office | Clarksville, IN |
| Hamburg | Lexington, KY |
| Fern Valley Rd Office | Louisville, KY |
| Blankenbaker Branch | Louisville, KY |
| Hillview Office | Louisville, KY |
| Dixie Office | Louisville, KY |
| Hikes Point | Louisville, KY |
| Douglass Loop | Louisville, KY |
| West Jefferson | Louisville, KY |
| Cedar Creek | Louisville, KY |
| West Broadway | Louisville, KY |
| New Albany Office | New Albany, IN |
| Richmond Office | Richmond, KY |
| Shepherdsville Office | Shepherdsville, 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.
Other-state peers near PARK
Using this data
- PARK ranks #2,538 of 4,374 nationally on financial health and #30 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Kentucky is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Kentucky
Frequently Asked Questions
Is PARK financially healthy?
On its 2025Q4 NCUA 5300 filing, PARK scores 81/100 (Excellent), with a 17.59% net worth ratio and 2.16% of loans delinquent. It ranks #2,538 of 4,374 nationally on health and #30 of 54 in Kentucky.
How does PARK compare to other credit unions?
PARK scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.49% vs 83.90%). Its widest shortfall is delinquency rate (2.16% vs 0.87%).
How can I join PARK?
PARK 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 PARK directly for the exact boundaries and application steps.
Is my money safe at PARK?
PARK 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. PARK's net worth ratio of 17.59% 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.