Federal credit union · LOUISVILLE, Kentucky · NCUA charter #24950
Young Community
Health score 58/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $758K
- Total assets
- 159
- Members
- 7.7%
- Net-worth ratio
Young Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24950, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Young Community - 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)81
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)60
Weighted composite: 58/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.74% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -34.02% | 15% |
| Member Growth | -24.29% | 15% |
| Loan-to-Share Ratio | 32.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $758K | 159 |
| 2024Q4 | $420K | 210 |
Credit Union Details
- Charter Number
- 24950
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Kentucky
- City
- LOUISVILLE
- Data Quarter
- 2025Q4
What This Data Says About Young Community
Headquartered in LOUISVILLE, Kentucky, Young Community is a federal credit union with 159 members, $758K in total assets, and $146K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 58/100 (Fair), driven in part by a net worth ratio of 7.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24950 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 32.66% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -34.02% on net income of $-257929 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 -24.29%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
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 Young Community financially healthy?
Young Community has a financial health score of 58/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.74% and delinquency rate of 0.00%.
How does Young Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Young Community's 58/100 score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Young Community?
Young Community 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 Young Community directly for the exact boundaries and application steps.
Is my money safe at Young Community?
Federal credit unions like Young Community 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. Young Community's net worth ratio of 7.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Young Community offer compared to banks?
Credit unions like Young Community 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 Young Community 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.