State overview · Q4 2025

Kentucky Credit Unions

All 54 federally-insured credit unions in Kentucky, ranked by financial health, from NCUA 5300 Call Reports.

54
Credit unions
991K
Members
$16.1B
Combined assets
81/100
Avg health
54 CUs · avg health 81/100

Kentucky has 54 federally insured credit unions averaging 81/100 health on NCUA 5300 Call Report aggregates. Combined assets $16.1B; 33 score Excellent (80+). State leader: Old Kentucky Home at 100/100.

  • Mean delinquency rank #24 of 52 (lower DQ better)
  • Mean ROA rank #52 of 52
  • Data vintage 2026-09-06

Kentucky vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

54 29th of 54 higher than 25 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Kentucky's 54 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)33 CUsGood (60–79)18 CUsFair (40–59)3 CUsWeak (<40)0 CUs

Kentucky Call Report component averages

Mean NCUA 5300 ratios across 54 federally insured credit unions in Kentucky, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.12%
National rank #24 of 52 · lower DQ better
Mean ROA
0.01%
National rank #52 of 52
Mean loan-to-share
65.9%
Mean net worth 14.1% · well-capitalized (≥7%) 98.1%
Largest CU share of state assets
17.1%
Dispersed book, largest charter holds under 25% of combined Kentucky CU assets · concentration rank #15 of 52 (lower share = more dispersed) · largest by assets on this board: COMMONWEALTH

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Kentucky is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Kentucky vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Kentucky highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Kentucky vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%KY - 14.12%, 1.121%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Kentucky highlighted.

All Credit Unions in Kentucky

Credit Union Health
Old Kentucky Home BARDSTOWN 100
Class Act Louisville 98
TRANSCEND Louisville 98
Daviess County Teachers Owensboro 96
L & N Louisville 96
SIGNET Paducah 95
ABOUND Radcliff 94
K I T Louisville 94
Main Impact Murray 94
Members Heritage Lexington 94
Morehead Community Morehead 92
COVE Edgewood 90
Green River Area OWENSBORO 90
Metro Plus Lexington 90
EXPREE Frankfort 88
Service One Bowling Green 88
Regional Medical Ctr Hopkins Co Emp MADISONVILLE 87
ASHLAND ASHLAND 86
University of Kentucky Lexington 86
ADVANZ Louisville 85
COMMONWEALTH Frankfort 85 †
OWENSBORO Owensboro 85
Shawnee Tva Employees WEST PADUCAH 85
C-PLANT PADUCAH 84
F.C.I. Ashland Ashland 84
Greater Kentucky Cu, Inc. LEXINGTON 84
Lake Chem Community Benton 84
Whitesville Community Whitesville 84
AUDUBON Owensboro 83
Northern Kentucky Highland Height 81
PARK Louisville 81
The Health & Education Lexington 81
W B H Employees Paducah 80
KUE Lexington 79
Lexington Postal Community Lexington 79
Autotruck Financial Louisville 78
Louisville Federal Louisville 78
Louisville Gas and Electric Company Louisville 78
Members Choice ASHLAND 78
Your Hometown Mayfield 77
Beacon Community Louisville 76
MSD LOUISVILLE 76
Brown-Forman Employees LOUISVILLE 75
ARH MIDDLESBORO 73
Labor Management LEWISPORT 72
Rural Cooperatives Louisville 68
Doe Run BRANDENBURG 66
Bluegrass Community Ashland 65
Tayco Employees South Shore 65
Kemba Louisville Louisville 61
KRAFTCOR Hawesville 60
Corning Glass Works Harrodsbg Harrodsburg 58
Modern Employees OWENSBORO 51
Young Community LOUISVILLE 45

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

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.

What This Data Says About Credit Unions in Kentucky

Kentucky is home to 54 federally-insured credit unions collectively serving 991K members with $16.1B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 81/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Old Kentucky Home of BARDSTOWN currently leads the cohort with a health score of 100/100, while the full distribution spans 54 institutions ranked below.

The health distribution breaks into four bands: 33 credit unions score 80–100 (Excellent), 18 score 60–79 (Good), 3 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Kentucky's 54 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Kentucky: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($16.1B here).

Connecticut $15.4B New Jersey $15.4B Louisiana $16.9B Hawaii $17.0B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (54 here).

Mississippi 55 CUs Oklahoma 53 CUs Utah 53 CUs North Carolina 57 CUs

Frequently Asked Questions

How many credit unions are in Kentucky?

There are 54 federally-insured credit unions in Kentucky as of Q4 2025, with a combined 991K members and $16.1B in total assets. That places Kentucky at #33 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Kentucky ranks #30 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Kentucky?

Based on NCUA Q4 2025 data, Old Kentucky Home in BARDSTOWN ranks highest in Kentucky with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Kentucky's data

  • Old Kentucky Home in BARDSTOWN is the healthiest scored credit union in Kentucky at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Kentucky's credit unions rank #24 of 52 nationally on delinquency rate (mid-pack) and #52 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
  • Kentucky ranks #30 of 54 by average health score and #33 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.