TellerScore

Abound Federal Credit Union is a federal credit union headquartered in Radcliff, Kentucky, in business for about 76 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.3B in member shares and deposits, with 10 offices.

Abound Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 89% of its 454 credit unions with $1 billion – $10 billion. Among 51 credit unions headquartered in Kentucky, it ranks 14th. Capital cushion contributes the most (100/100, 15.85%); earnings contributes the least (61/100, 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.85%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.81%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity73/100
Loans ÷ shares: 87.5% · 12.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

TellerScore
808488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202488
Q4 202483
Q1 202584
Q2 202582
Q3 202584
Q4 202580
Q1 202682
Q2 202681
Net worth ratio
7.00%11.76%16.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.47%
Q3 202416.51%
Q4 202416.32%
Q1 202516.04%
Q2 202516.08%
Q3 202516.18%
Q4 202516.14%
Q1 202615.79%
Q2 202615.85%
Delinquent loans (60+ days)
0.43%0.62%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.43%
Q4 20240.80%
Q1 20250.55%
Q2 20250.70%
Q3 20250.63%
Q4 20250.65%
Q1 20260.54%
Q2 20260.81%
Return on assets
0.82%1.25%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.67%
Q3 20241.49%
Q4 20241.32%
Q1 20251.10%
Q2 20251.08%
Q3 20251.26%
Q4 20250.82%
Q1 20260.82%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$2.8B15.85%0.81%1.03%87.5%
Q1 202682$2.7B15.79%0.54%0.82%87.1%
Q4 202580$2.6B16.14%0.65%0.82%89.8%
Q3 202584$2.6B16.18%0.63%1.26%89.5%
Q2 202582$2.5B16.08%0.70%1.08%89.6%
Q1 202584$2.5B16.04%0.55%1.10%88.0%
Q4 202483$2.4B16.32%0.80%1.32%88.4%
Q3 202488$2.4B16.51%0.43%1.49%88.6%
Q2 202488$2.3B16.47%0.54%1.67%88.0%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.85%
95th
Problem loans0.81%
39th
Net charge-offs0.62%
37th
Return on assets1.03%
70th
Loans to deposits87.5%
52nd
Uninsured deposits12.9%
21st
Loan-loss reserves0.00%
50th
Texas ratio3.9%
63rd

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
L & N Federal Credit UnionCredit union Louisville, KY72 out of 100, Strong$2.6B10.6%0.26%vs
Commonwealth Federal Credit UnionCredit union Frankfort, KY73 out of 100, Strong$2.9B11.3%0.87%vs
University of Kentucky Federal Credit UnionCredit union Lexington, KY57 out of 100, Moderate$1.8B10.9%0.97%vs
Park Federal Credit UnionCredit union Louisville, KY63 out of 100, Moderate$1.4B17.9%2.00%vs

Deposit insurance

Is my money safe at Abound Federal Credit Union?

Yes. Abound Federal Credit Union is a federally insured credit union (NCUA charter #7000). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.9% of shares and deposits ($296.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Abound Federal Credit Union lists 10 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Abound Federal Credit Union reported 2,174 home-loan applications under HMDA (LEI 254900LEJ4HP6RMWD374): 1,405 originated ($268,275,000 total), 322 denied, and 445 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Abound Federal Credit Union
Type
Federal credit union
NCUA charter #
7000
RSSD ID
250186
Primary regulator
NCUA
Established
1950
Headquarters
P.O. Box 900, Radcliff, KY 40159
Employees
422

Quick answers

Abound Federal Credit Union: common questions

Is Abound Federal Credit Union NCUA insured?

Yes. Abound Federal Credit Union is a federally insured credit union (NCUA charter #7000). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Abound Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Abound Federal Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Radcliff

InstitutionScoreAssetsCapitalProblem loansCompare
The Lincoln National Bank of HodgenvilleBank Hodgenville, KY86 out of 100, Very strong$454.4M14.9%0.43%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Town & Country Bank and Trust CompanyBank Bardstown, KY82 out of 100, Strong$433.7M12.7%0.42%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs