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
- CAMELS 81/100
- HEALTH 17.6%
- NW 2.16%
- DELQ 0.21%
- ROA $1.42B
- ASSETS 80,079
- MEM #2,538/4,374
- RANK Credit Union West
- PHOTO 24931
Call Report peers
PARK in the assets neighbourhood
PARK's $1.42B assets sit next to Credit Union West ($1.42B) 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.
PARK 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
PARK - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24931. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PARK Call Report trajectory
PARK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $1.42B (2025Q4) to $1.45B (2026Q1).
- Net-worth ratio shifted -0.23 pp (17.82% → 17.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for PARK - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.42B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 PARK financially healthy?
PARK has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,538 of 4,374; by total assets it ranks #350 of 4,374 nationally (same basis as /rankings/largest); and #5 of 54 within Kentucky. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.59% and delinquency rate of 2.16%.
How does PARK compare to other credit unions?
81/100 is PARK's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like PARK 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. PARK's net worth ratio of 17.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PARK offer compared to banks?
Credit unions like PARK 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 PARK 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.