Federal credit union · Lexington, Kentucky · NCUA charter #24165
University of Kentucky
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $1.65B
- Total assets
- 111,889
- Members
- 11.0%
- Net-worth ratio
University of Kentucky scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.65B; members 111,889; net-worth ratio 11.04%; health rank #1,820 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,820 of 4,374 health · 2025Q4University of Kentucky · health 86/100 · $1.65B · 2025Q4
Call Report peers
University of Kentucky in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
University of Kentucky vs every NCUA-scored credit union
University of Kentucky sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Peer-gap read for University of Kentucky
- Largest favorable gap: Loan-to-Share Ratio at 110.37% vs peer 83.90% (+26.47 pp).
- Largest lag: Net Worth Ratio at 11.04% vs peer 11.18% (-0.14 pp).
University of Kentucky: in-state Call Report ranks
- In Kentucky, health place is #19 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #4 of 54.
- Membership ranks #4 of 54 among Kentucky CUs with a reported count (111,889 members).
- One place up in Kentucky, ASHLAND (#18) ties at 86/100; one place down, Shawnee Tva Employees (#20) scores 85/100, 1 point lower.
University of Kentucky Call Report trajectory
University of Kentucky: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $1.65B (2025Q4) to $1.69B (2026Q1).
- Net-worth ratio shifted -0.15 pp (11.19% → 11.04%).
At 11.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
University of Kentucky gives up 14 points in total. Loan-to-Share Ratio costs the most, 8.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 6.5 pts
University of Kentucky vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.04% | -0.14 pp |
| Delinquency Rate | 0.85% | -0.03 pp |
| Return on Assets | 0.73% | +0.22 pp |
| Member Growth | 3.30% | - |
| Loan-to-Share Ratio | 110.37% | +26.47 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
University of Kentucky quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.69B | - |
| 2025Q4 | $1.65B | 111,889 |
| 2024Q4 | $1.56B | 108,311 |
| 2023Q4 | $1.51B | 106,005 |
Credit Union Details
- Charter Number
- 24165
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Lexington
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, University of Kentucky runs 10 offices in 2 different cities.
| Office | City |
|---|---|
| Corporate Offices (Main Office) | Lexington, KY |
| Hamburg Branch | Lexington, KY |
| South Broadway Branch | Lexington, KY |
| UK Student Center Branch | Lexington, KY |
| Reynolds Road Branch | Lexington, KY |
| Beaumont | Lexington, KY |
| Tates Creek Branch | Lexington, KY |
| Frederick Douglass High School | Lexington, KY |
| Tates Creek High School | Lexington, KY |
| Nicholasville | Nicholasville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Other-state peers near University of Kentucky
Similar total assets
Using this data
- University of Kentucky ranks #1,820 of 4,374 nationally on financial health and #19 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PARK
Frequently Asked Questions
Is University of Kentucky financially healthy?
University of Kentucky has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,820 of 4,374 nationally on health and #19 of 54 in Kentucky. Its net worth ratio is 11.04% and its delinquency rate 0.85%.
How does University of Kentucky compare to other credit unions?
University of Kentucky scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (110.37% vs 83.90%). Its widest shortfall is net worth ratio (11.04% vs 11.18%).
How can I join University of Kentucky?
University of 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 University of Kentucky directly for the exact boundaries and application steps.
Is my money safe at University of Kentucky?
University of 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. University of Kentucky's net worth ratio of 11.04% 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.