TellerScore

Headquartered in Louisville, Kentucky, Louisville Gas and Electric Company Credit Union is a federally insured state-chartered credit union with $50.4M in total assets and $42.6M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1934.

Louisville Gas and Electric Company Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 13th. Capital cushion contributes the most (100/100, 15.48%); earnings contributes the least (49/100, 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.48%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity100/100
Loans ÷ shares: 53.6% · 10.8% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.54%

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 5 points (87 → 82), mostly because the loan quality component weakened by 17 points.

TellerScore
818690Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202488
Q3 202489
Q4 202489
Q1 202590
Q2 202587
Q3 202586
Q4 202581
Q1 202682
Q2 202682
Net worth ratio
7.00%11.46%15.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.55%
Q3 202415.86%
Q4 202415.83%
Q1 202515.84%
Q2 202515.82%
Q3 202515.70%
Q4 202515.93%
Q1 202615.52%
Q2 202615.48%
Delinquent loans (60+ days)
0.16%0.57%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.18%
Q4 20240.16%
Q1 20250.16%
Q2 20250.35%
Q3 20250.46%
Q4 20250.96%
Q1 20260.98%
Q2 20260.87%
Return on assets
0.66%0.82%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.93%
Q3 20240.98%
Q4 20240.90%
Q1 20250.98%
Q2 20250.86%
Q3 20250.78%
Q4 20250.66%
Q1 20260.82%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$50.4M15.48%0.87%0.73%53.6%
Q1 202682$49.8M15.52%0.98%0.82%54.8%
Q4 202581$47.8M15.93%0.96%0.66%58.0%
Q3 202586$48.4M15.70%0.46%0.78%58.0%
Q2 202587$47.6M15.82%0.35%0.86%61.6%
Q1 202590$47.0M15.84%0.16%0.98%64.7%
Q4 202489$46.3M15.83%0.16%0.90%67.4%
Q3 202489$45.8M15.86%0.18%0.98%69.3%
Q2 202488$45.9M15.55%0.20%0.93%70.4%

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 ratio15.48%
57th
Problem loans0.87%
43rd
Net charge-offs0.13%
55th
Return on assets0.73%
55th
Loans to deposits53.6%
57th
Uninsured deposits10.8%
6th
Loan-loss reserves0.00%
37th
Texas ratio2.5%
46th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Metro Plus Credit UnionCredit union Lexington, KY76 out of 100, Strong$50.9M13.1%0.40%vs
Kue Federal Credit UnionCredit union Lexington, KY76 out of 100, Strong$56.1M14.9%1.65%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
Kemba Louisville Credit UnionCredit union Louisville, KY65 out of 100, Moderate$59.3M20.8%2.72%vs
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Whitesville Community Credit UnionCredit union Whitesville, KY76 out of 100, Strong$39.5M12.4%1.82%vs

Deposit insurance

Is my money safe at Louisville Gas and Electric Company Credit Union?

Yes. Louisville Gas and Electric Company Credit Union is a federally insured credit union (NCUA charter #61123). 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 10.8% of shares and deposits ($4.6M) 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 15.48%, well 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

Louisville Gas and Electric Company Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Louisville Gas and Electric Company Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61123
RSSD ID
400897
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 32040, Louisville, KY 40232
Employees
8

Quick answers

Louisville Gas and Electric Company Credit Union: common questions

Is Louisville Gas and Electric Company Credit Union NCUA insured?

Yes. Louisville Gas and Electric Company Credit Union is a federally insured credit union (NCUA charter #61123). 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 Gas and Electric Company Credit Union's TellerScore?

82 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 Gas and Electric Company Credit Union have?

2 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
Louisville Federal Credit UnionCredit union Louisville, KY81 out of 100, Strong$37.2M20.1%0.84%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs