Federal credit union · Lexington, Kentucky · NCUA charter #24165
University of Kentucky
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $1.65B
- Total assets
- 111,889
- Members
- 11.2%
- Net-worth ratio
University of Kentucky - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24165 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
University of Kentucky - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)86
- Earnings (ROA)100
- Member growth86
- Liquidity (loan-to-share)44
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.19% | 30% |
| Delinquency Rate | 0.85% | 25% |
| Return on Assets | 0.73% | 15% |
| Member Growth | 3.30% | 15% |
| Loan-to-Share Ratio | 110.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About University of Kentucky
Headquartered in Lexington, Kentucky, University of Kentucky is a federal credit union with 111,889 members, $1.65B in total assets, and $1.42B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 86/100 (Excellent), driven in part by a net worth ratio of 11.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24165 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.85% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 110.37% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.73% on net income of $12.0M 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 3.30%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group 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 University of Kentucky financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - University of Kentucky's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.19% net worth ratio and 0.85% delinquency rate are the key drivers.
How does University of Kentucky compare to other credit unions?
Five weighted metrics from NCUA filings produce University of Kentucky's 86/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like University of 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. University of Kentucky's net worth ratio of 11.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does University of Kentucky offer compared to banks?
Credit unions like University of 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 University of 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.