TellerScore

Headquartered in Louisville, Kentucky, Park Federal Credit Union is a federal credit union with $1.4B in total assets and $1.1B in member shares and deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1955.

Park Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 454 credit unions with $1 billion – $10 billion. Among 51 credit unions headquartered in Kentucky, it ranks 40th. Capital cushion contributes the most (100/100, 17.86%); loan quality contributes the least (33/100, 2.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.86%
Loan quality33/100
Loans 60+ days delinquent ÷ total loans: 2.00%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity63/100
Loans ÷ shares: 97.1% · 4.2% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.81%

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 (65 → 63), mostly because the earnings component weakened by 11 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202468
Q4 202464
Q1 202572
Q2 202565
Q3 202565
Q4 202563
Q1 202668
Q2 202663
Net worth ratio
7.00%12.90%18.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.33%
Q3 202418.81%
Q4 202418.70%
Q1 202518.07%
Q2 202518.46%
Q3 202518.21%
Q4 202517.82%
Q1 202617.59%
Q2 202617.86%
Delinquent loans (60+ days)
1.46%1.82%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.79%
Q3 20241.58%
Q4 20241.85%
Q1 20251.46%
Q2 20252.18%
Q3 20252.01%
Q4 20252.16%
Q1 20261.70%
Q2 20262.00%
Return on assets
0.06%0.38%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.29%
Q4 20240.22%
Q1 20250.69%
Q2 20250.67%
Q3 20250.52%
Q4 20250.47%
Q1 20260.54%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.4B17.86%2.00%0.40%97.1%
Q1 202668$1.4B17.59%1.70%0.54%90.2%
Q4 202563$1.4B17.82%2.16%0.47%92.5%
Q3 202565$1.4B18.21%2.01%0.52%93.0%
Q2 202565$1.4B18.46%2.18%0.67%92.2%
Q1 202572$1.4B18.07%1.46%0.69%88.2%
Q4 202464$1.3B18.70%1.85%0.22%90.8%
Q3 202468$1.3B18.81%1.58%0.29%88.4%
Q2 202464$1.3B18.33%1.79%0.06%87.0%

454 peers · $1 billion – $10 billion

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 ratio17.86%
98th
Problem loans2.00%
4th
Net charge-offs1.57%
2nd
Return on assets0.40%
16th
Loans to deposits97.1%
21st
Uninsured deposits4.2%
92nd
Loan-loss reserves0.00%
50th
Texas ratio8.8%
20th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
University of Kentucky Federal Credit UnionCredit union Lexington, KY57 out of 100, Moderate$1.8B10.9%0.97%vs
L & N Federal Credit UnionCredit union Louisville, KY72 out of 100, Strong$2.6B10.6%0.26%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Commonwealth Federal Credit UnionCredit union Frankfort, KY73 out of 100, Strong$2.9B11.3%0.87%vs

Deposit insurance

Is my money safe at Park Federal Credit Union?

Yes. Park Federal Credit Union is a federally insured credit union (NCUA charter #24931). 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 4.2% of shares and deposits ($46.8M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 17.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Park Federal Credit Union lists 9 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Park Federal Credit Union reported 812 home-loan applications under HMDA (LEI 549300AZBM8V8SE0IT33): 588 originated ($87,660,000 total), 135 denied, and 82 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Park Federal Credit Union
Type
Federal credit union
NCUA charter #
24931
RSSD ID
751085
Primary regulator
NCUA
Established
1955
Headquarters
2515 Blankenbaker Pkwy, Louisville, KY 40299
Employees
263

Quick answers

Park Federal Credit Union: common questions

Is Park Federal Credit Union NCUA insured?

Yes. Park Federal Credit Union is a federally insured credit union (NCUA charter #24931). 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 Park Federal Credit Union's TellerScore?

63 out of 100 (Moderate), 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 Park Federal Credit Union have?

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