TellerScore

Greater Kentucky CU, Inc. Credit Union is a federally insured state-chartered credit union headquartered in Lexington, Kentucky, in business for about 73 years. At the end of Q2 2026 it reported $86.5M in total assets and $75.8M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Greater Kentucky CU, Inc. Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 38th. Its strongest component is problem-loan coverage (90/100; 5.1%), and its lowest is earnings (27/100; 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.74%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.76%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity75/100
Loans ÷ shares: 84.9% · 12.8% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.12%

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 (65 → 65).

TellerScore
616365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202464
Q4 202462
Q1 202565
Q2 202565
Q3 202565
Q4 202563
Q1 202665
Q2 202665
Net worth ratio
7.00%9.62%12.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.74%
Q3 202411.23%
Q4 202411.17%
Q1 202511.18%
Q2 202511.12%
Q3 202511.52%
Q4 202512.24%
Q1 202611.79%
Q2 202611.74%
Delinquent loans (60+ days)
0.48%0.70%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.48%
Q4 20240.70%
Q1 20250.50%
Q2 20250.48%
Q3 20250.58%
Q4 20250.93%
Q1 20260.66%
Q2 20260.76%
Return on assets
0.03%0.10%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.03%
Q3 20240.10%
Q4 20240.07%
Q1 20250.16%
Q2 20250.15%
Q3 20250.14%
Q4 20250.16%
Q1 20260.03%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$86.5M11.74%0.76%0.17%84.9%
Q1 202665$85.5M11.79%0.66%0.03%83.8%
Q4 202563$82.3M12.24%0.93%0.16%92.1%
Q3 202565$88.0M11.52%0.58%0.14%88.2%
Q2 202565$90.9M11.12%0.48%0.15%84.9%
Q1 202565$90.1M11.18%0.50%0.16%85.6%
Q4 202462$89.9M11.17%0.70%0.07%88.3%
Q3 202464$90.3M11.23%0.48%0.10%89.5%
Q2 202461$94.0M10.74%0.56%0.03%91.9%

2,479 peers · Under $100 million in assets

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 ratio11.74%
29th
Problem loans0.76%
48th
Net charge-offs0.28%
40th
Return on assets0.17%
26th
Loans to deposits84.9%
14th
Uninsured deposits12.8%
4th
Loan-loss reserves0.00%
37th
Texas ratio5.1%
29th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Lake Chem Community Federal Credit UnionCredit union Benton, KY66 out of 100, Moderate$95.9M10.1%0.46%vs
Daviess County Teachers Federal Credit UnionCredit union Owensboro, KY82 out of 100, Strong$75.3M12.5%0.49%vs
Beacon Community Credit UnionCredit union Louisville, KY72 out of 100, Strong$72.1M12.3%0.44%vs
Morehead Community Federal Credit UnionCredit union Morehead, KY88 out of 100, Very strong$65.1M13.5%0.50%vs
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs

Deposit insurance

Is my money safe at Greater Kentucky CU, Inc. Credit Union?

Yes. Greater Kentucky CU, Inc. Credit Union is a federally insured credit union (NCUA charter #62228). 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 12.8% of shares and deposits ($9.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Greater Kentucky CU, Inc. Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Greater Kentucky CU, Inc. Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62228
RSSD ID
208196
Primary regulator
State + NCUA
Established
1953
Headquarters
1001 Red Mile Road, Lexington, KY 40504
Employees
19

Quick answers

Greater Kentucky CU, Inc. Credit Union: common questions

Is Greater Kentucky CU, Inc. Credit Union NCUA insured?

Yes. Greater Kentucky CU, Inc. Credit Union is a federally insured credit union (NCUA charter #62228). 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 Greater Kentucky CU, Inc. Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Greater Kentucky CU, Inc. Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY84 out of 100, Strong$208.1M10.4%0.00%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs