TellerScore

Old Kentucky Home Federal Credit Union is a federal credit union headquartered in Bardstown, Kentucky, in business for about 59 years. At the end of Q2 2026 it reported $19.8M in total assets and $17.4M in member shares and deposits, with 1 office.

Old Kentucky Home Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 34th. Problem-loan coverage contributes the most (94/100, 3.1%); earnings contributes the least (32/100, 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.16%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity81/100
Loans ÷ shares: 79.6% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.14%

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 (72 → 70), mostly because the loan quality component weakened by 9 points.

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202476
Q4 202469
Q1 202570
Q2 202572
Q3 202571
Q4 202570
Q1 202674
Q2 202670
Net worth ratio
7.00%9.68%12.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.11%
Q3 202412.06%
Q4 202411.96%
Q1 202511.72%
Q2 202512.14%
Q3 202512.35%
Q4 202512.20%
Q1 202612.28%
Q2 202612.16%
Delinquent loans (60+ days)
0.23%1.18%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.13%
Q3 20240.71%
Q4 20241.37%
Q1 20250.25%
Q2 20250.26%
Q3 20250.44%
Q4 20250.43%
Q1 20260.23%
Q2 20260.55%
Return on assets
0.02%1.08%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.14%
Q3 20241.28%
Q4 20241.12%
Q1 20250.02%
Q2 20250.20%
Q3 20250.18%
Q4 20250.20%
Q1 20260.43%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$19.8M12.16%0.55%0.30%79.6%
Q1 202674$19.6M12.28%0.23%0.43%79.3%
Q4 202570$19.5M12.20%0.43%0.20%81.1%
Q3 202571$19.2M12.35%0.44%0.18%77.1%
Q2 202572$19.5M12.14%0.26%0.20%75.7%
Q1 202570$20.0M11.72%0.25%0.02%71.2%
Q4 202469$19.6M11.96%1.37%1.12%72.8%
Q3 202476$19.5M12.06%0.71%1.28%75.1%
Q2 202468$19.1M12.11%2.13%2.14%80.3%

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 ratio12.16%
33rd
Problem loans0.55%
56th
Net charge-offs-0.09%
93rd
Return on assets0.30%
31st
Loans to deposits79.6%
20th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.1%
42nd

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Arh Federal Credit UnionCredit union Middlesboro, KY79 out of 100, Strong$19.9M26.9%1.32%vs
W B H Employees Federal Credit UnionCredit union Paducah, KY73 out of 100, Strong$17.6M13.0%0.05%vs
K I T Federal Credit UnionCredit union Louisville, KY76 out of 100, Strong$23.1M11.9%0.35%vs
Main Impact Federal Credit UnionCredit union Murray, KY74 out of 100, Strong$23.3M10.5%0.03%vs
Brown-Forman Employees Credit UnionCredit union Louisville, KY71 out of 100, Strong$14.4M19.6%1.71%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 Old Kentucky Home Federal Credit Union?

Yes. Old Kentucky Home Federal Credit Union is a federally insured credit union (NCUA charter #18172). 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 0.0% of shares and deposits ($0) 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 12.16%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Old Kentucky Home Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Old Kentucky Home Federal Credit Union
Type
Federal credit union
NCUA charter #
18172
RSSD ID
473284
Primary regulator
NCUA
Established
1967
Headquarters
1008 Templin Ave, Bardstown, KY 40004
Employees
10

Quick answers

Old Kentucky Home Federal Credit Union: common questions

Is Old Kentucky Home Federal Credit Union NCUA insured?

Yes. Old Kentucky Home Federal Credit Union is a federally insured credit union (NCUA charter #18172). 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 Old Kentucky Home Federal Credit Union's TellerScore?

70 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 Old Kentucky Home Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bardstown

InstitutionScoreAssetsCapitalProblem loansCompare
The Lincoln National Bank of HodgenvilleBank Hodgenville, KY86 out of 100, Very strong$454.4M14.9%0.43%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Town & Country Bank and Trust CompanyBank Bardstown, KY82 out of 100, Strong$433.7M12.7%0.42%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Springfield State BankBank Springfield, KY79 out of 100, Strong$486.9M14.0%0.56%vs