TellerScore

Headquartered in Louisville, Kentucky, Louisville Federal Credit Union is a federally insured state-chartered credit union with $37.2M in total assets and $29.6M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1924.

Based on its Q2 2026 filing, Louisville Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 15th. Its strongest component is capital cushion (100/100; 20.05%), and its lowest is earnings (41/100; 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.05%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity100/100
Loans ÷ shares: 33.2% · 2.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.11%

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 2 points (83 → 81), mostly because the earnings component weakened by 6 points.

TellerScore
727883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202474
Q4 202474
Q1 202582
Q2 202583
Q3 202582
Q4 202582
Q1 202678
Q2 202681
Net worth ratio
7.00%15.04%23.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.80%
Q3 202423.01%
Q4 202423.07%
Q1 202522.77%
Q2 202522.63%
Q3 202522.29%
Q4 202522.36%
Q1 202621.21%
Q2 202620.05%
Delinquent loans (60+ days)
0.75%1.27%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.79%
Q3 20241.65%
Q4 20241.64%
Q1 20250.97%
Q2 20250.78%
Q3 20250.75%
Q4 20250.76%
Q1 20261.11%
Q2 20260.84%
Return on assets
0.42%0.58%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.52%
Q4 20240.53%
Q1 20250.74%
Q2 20250.67%
Q3 20250.59%
Q4 20250.58%
Q1 20260.42%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$37.2M20.05%0.84%0.53%33.2%
Q1 202678$34.9M21.21%1.11%0.42%35.7%
Q4 202582$32.9M22.36%0.76%0.58%37.6%
Q3 202582$32.8M22.29%0.75%0.59%40.6%
Q2 202583$32.2M22.63%0.78%0.67%42.0%
Q1 202582$31.8M22.77%0.97%0.74%43.1%
Q4 202474$31.1M23.07%1.64%0.53%45.4%
Q3 202474$31.0M23.01%1.65%0.52%46.7%
Q2 202472$31.1M22.80%1.79%0.48%47.1%

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 ratio20.05%
77th
Problem loans0.84%
45th
Net charge-offs0.24%
43rd
Return on assets0.53%
44th
Loans to deposits33.2%
85th
Uninsured deposits2.7%
39th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Whitesville Community Credit UnionCredit union Whitesville, KY76 out of 100, Strong$39.5M12.4%1.82%vs
Audubon Federal Credit UnionCredit union Owensboro, KY63 out of 100, Moderate$34.4M9.0%1.00%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
Labor Management Federal Credit UnionCredit union Lewisport, KY70 out of 100, Strong$28.4M14.8%1.88%vs
Lexington Postal Community Credit UnionCredit union Lexington, KY68 out of 100, Moderate$27.2M9.5%0.22%vs
Your Hometown Federal Credit UnionCredit union Mayfield, KY47 out of 100, Below average$25.6M9.3%1.75%vs

Deposit insurance

Is my money safe at Louisville Federal Credit Union?

Yes. Louisville Federal Credit Union is a federally insured credit union (NCUA charter #62433). 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 2.7% of shares and deposits ($792K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Louisville Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Louisville Federal Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62433
RSSD ID
641391
Primary regulator
State + NCUA
Established
1924
Headquarters
PO Box 33303, Louisville, KY 40232
Employees
6

Quick answers

Louisville Federal Credit Union: common questions

Is Louisville Federal Credit Union NCUA insured?

Yes. Louisville Federal Credit Union is a federally insured credit union (NCUA charter #62433). 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 Louisville 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 Louisville Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Louisville

InstitutionScoreAssetsCapitalProblem loansCompare
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs