Northern Kentucky Federal Credit Union (NCUA charter #21339) is based in Highland Height, Kentucky. Its Q2 2026 call report shows $43.1M in total assets and $36.3M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Northern Kentucky Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 3rd. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 1% uninsured), and its lowest is earnings (84/100; 1.61%).
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 rose 7 points (84 → 91), mostly because the capital cushion component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 83 |
| Q4 2024 | 84 |
| Q1 2025 | 87 |
| Q2 2025 | 84 |
| Q3 2025 | 85 |
| Q4 2025 | 89 |
| Q1 2026 | 90 |
| Q2 2026 | 91 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.30% |
| Q3 2024 | 11.79% |
| Q4 2024 | 12.28% |
| Q1 2025 | 12.37% |
| Q2 2025 | 12.61% |
| Q3 2025 | 13.04% |
| Q4 2025 | 13.78% |
| Q1 2026 | 13.42% |
| Q2 2026 | 13.99% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.56% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.57% |
| Q1 2025 | 1.74% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.72% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $43.1M | 13.99% | 0.29% | 1.61% | 51.4% |
| Q1 2026 | 90 | $43.7M | 13.42% | 0.32% | 1.72% | 49.4% |
| Q4 2025 | 89 | $41.2M | 13.78% | 0.52% | 1.67% | 51.9% |
| Q3 2025 | 85 | $42.3M | 13.04% | 0.66% | 1.65% | 50.1% |
| Q2 2025 | 84 | $42.4M | 12.61% | 0.62% | 1.65% | 46.1% |
| Q1 2025 | 87 | $41.8M | 12.37% | 0.33% | 1.74% | 46.2% |
| Q4 2024 | 84 | $40.7M | 12.28% | 0.54% | 1.57% | 48.5% |
| Q3 2024 | 83 | $41.2M | 11.79% | 0.46% | 1.59% | 45.8% |
| Q2 2024 | 81 | $41.5M | 11.30% | 0.51% | 1.56% | 44.7% |
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 |
|---|---|---|---|---|---|
| Whitesville Community Credit UnionCredit union Whitesville, KY | 76 out of 100, Strong | $39.5M | 12.4% | 1.82% | vs |
| Louisville Federal Credit UnionCredit union Louisville, KY | 81 out of 100, Strong | $37.2M | 20.1% | 0.84% | vs |
| Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY | 82 out of 100, Strong | $50.4M | 15.5% | 0.87% | vs |
| Metro Plus Credit UnionCredit union Lexington, KY | 76 out of 100, Strong | $50.9M | 13.1% | 0.40% | vs |
| Audubon Federal Credit UnionCredit union Owensboro, KY | 63 out of 100, Moderate | $34.4M | 9.0% | 1.00% | vs |
| Kue Federal Credit UnionCredit union Lexington, KY | 76 out of 100, Strong | $56.1M | 14.9% | 1.65% | vs |
Deposit insurance
Is my money safe at Northern Kentucky Federal Credit Union?
Yes. Northern Kentucky Federal Credit Union is a federally insured credit union (NCUA charter #21339). 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 0.7% of shares and deposits ($259K) 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 13.99%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Northern Kentucky Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Florence, KY (1)
- Highland Heights, KY (1)
Identity & history
Profile
- Legal name
- Northern Kentucky Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21339
- RSSD ID
- 501383
- Primary regulator
- NCUA
- Established
- 1973
- Headquarters
- 2805 Alexandria Pike, Highland Height, KY 41076
- Employees
- 12
Quick answers
Northern Kentucky Federal Credit Union: common questions
Is Northern Kentucky Federal Credit Union NCUA insured?
Yes. Northern Kentucky Federal Credit Union is a federally insured credit union (NCUA charter #21339). 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 Northern Kentucky Federal Credit Union's TellerScore?
91 out of 100 (Very 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 Northern Kentucky Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Highland Height
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |
| Spring Valley BankBank Wyoming, OH | 89 out of 100, Very strong | $113.6M | 34.1% | 0.43% | vs |