K I T Federal Credit Union is a federal credit union headquartered in Louisville, Kentucky, in business for about 61 years. At the end of Q2 2026 it reported $23.1M in total assets and $20.2M in member shares and deposits, with 2 offices.
K I T Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 21st. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (55/100, 0.87%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 10 points (86 → 76), mostly because the earnings component weakened by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 68 |
| Q4 2024 | 67 |
| Q1 2025 | 78 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 85 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.29% |
| Q3 2024 | 10.23% |
| Q4 2024 | 10.74% |
| Q1 2025 | 10.71% |
| Q2 2025 | 11.78% |
| Q3 2025 | 11.93% |
| Q4 2025 | 11.87% |
| Q1 2026 | 12.00% |
| Q2 2026 | 11.86% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.97% |
| Q1 2025 | 1.90% |
| Q2 2025 | 2.73% |
| Q3 2025 | 2.20% |
| Q4 2025 | 1.85% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $23.1M | 11.86% | 0.35% | 0.87% | 76.3% |
| Q1 2026 | 75 | $22.4M | 12.00% | 0.56% | 0.94% | 74.3% |
| Q4 2025 | 85 | $22.2M | 11.87% | 0.24% | 1.85% | 74.7% |
| Q3 2025 | 87 | $21.7M | 11.93% | 0.16% | 2.20% | 74.5% |
| Q2 2025 | 86 | $21.4M | 11.78% | 0.31% | 2.73% | 74.4% |
| Q1 2025 | 78 | $21.8M | 10.71% | 0.70% | 1.90% | 71.1% |
| Q4 2024 | 67 | $20.8M | 10.74% | 0.97% | 0.97% | 76.7% |
| Q3 2024 | 68 | $21.0M | 10.23% | 0.54% | 0.78% | 76.1% |
| Q2 2024 | 70 | $20.3M | 10.29% | 0.32% | 0.63% | 74.7% |
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).
Similar-size credit unions in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Main Impact Federal Credit UnionCredit union Murray, KY | 74 out of 100, Strong | $23.3M | 10.5% | 0.03% | vs |
| Your Hometown Federal Credit UnionCredit union Mayfield, KY | 47 out of 100, Below average | $25.6M | 9.3% | 1.75% | vs |
| Arh Federal Credit UnionCredit union Middlesboro, KY | 79 out of 100, Strong | $19.9M | 26.9% | 1.32% | vs |
| Old Kentucky Home Federal Credit UnionCredit union Bardstown, KY | 70 out of 100, Strong | $19.8M | 12.2% | 0.55% | vs |
| Lexington Postal Community Credit UnionCredit union Lexington, KY | 68 out of 100, Moderate | $27.2M | 9.5% | 0.22% | vs |
| Labor Management Federal Credit UnionCredit union Lewisport, KY | 70 out of 100, Strong | $28.4M | 14.8% | 1.88% | vs |
Deposit insurance
Is my money safe at K I T Federal Credit Union?
Yes. K I T Federal Credit Union is a federally insured credit union (NCUA charter #16947). 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 9.4% of shares and deposits ($1.9M) 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 11.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
K I T Federal Credit Union lists 2 offices in 1 city. Most locations:
- Louisville, KY (2)
Identity & history
Profile
- Legal name
- K I T Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16947
- RSSD ID
- 337283
- Primary regulator
- NCUA
- Established
- 1965
- Headquarters
- 9711 Linn Station Rd, Louisville, KY 40223
- Employees
- 9
Quick answers
K I T Federal Credit Union: common questions
Is K I T Federal Credit Union NCUA insured?
Yes. K I T Federal Credit Union is a federally insured credit union (NCUA charter #16947). 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 K I T Federal Credit Union's TellerScore?
76 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 K I T Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Louisville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Advanz Federal Credit UnionCredit union Louisville, KY | 85 out of 100, Very strong | $161.6M | 15.6% | 0.54% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Transcend Credit UnionCredit union Louisville, KY | 83 out of 100, Strong | $588.3M | 13.4% | 0.13% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY | 82 out of 100, Strong | $50.4M | 15.5% | 0.87% | vs |
| Louisville Federal Credit UnionCredit union Louisville, KY | 81 out of 100, Strong | $37.2M | 20.1% | 0.84% | vs |