Federal credit union · LOUISVILLE, Kentucky · NCUA charter #24950
Young Community
Health score 45/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $758K
- Total assets
- 159
- Members
- 4.6%
- Net-worth ratio
Young Community scores 45/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $758K; members 159; net-worth ratio 4.57%; health rank #4,317 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,317 of 4,374 health · 2025Q4Young Community · health 45/100 · $758K · 2025Q4
- NCUSIF 45/100
- CAMELS 4.6%
- HEALTH 0.00%
- NW -34.02%
- DELQ $758K
- ROA 159
- ASSETS #4,317/4,374
- MEM n/a
- RANK 24950
Call Report peers
Young Community carries $758K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Young Community 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
45 1st percentile higher than 1% 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
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: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Largest lag: Return on Assets at -34.02% vs peer 0.22% (-34.25 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Young Community: in-state Call Report ranks
- Health composite ranks #54 of 54 among scored Kentucky credit unions.
- Kentucky assets place: #54 of 54.
- Kentucky membership ordinal: #54 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Young Community's 5300 filing moved
Young Community: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -5.6% from $758K (2025Q4) to $716K (2026Q1).
- Net-worth ratio shifted -3.17 pp (7.74% → 4.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
4.57% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 45/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 45.
- Net Worth Ratio 11.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.6 pts
Young Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.57% | -18.36 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -34.02% | -34.25 pp |
| Member Growth | -24.29% | - |
| Loan-to-Share Ratio | 32.66% | -20.04 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Young Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $716K | - |
| 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
Branch Locations (3)
Young Community operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | LOUISVILLE, KY |
| Branch 01 | Louisville, KY |
| CO OP | St Petersburg, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Young Community's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (45/100 here).
Using this data
- Young Community ranks #4,317 of 4,374 nationally on financial health and #54 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tayco Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tayco Employees
- 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 Young Community financially healthy?
Young Community has a financial health score of 45/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,317 of 4,374; by total assets it ranks #4,266 of 4,374 nationally (same basis as /rankings/largest); and #54 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 4.57% 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 45/100 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 4.57% is relative to 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.
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.