University of Kentucky Federal Credit Union (NCUA charter #24165) is based in Lexington, Kentucky. Its Q2 2026 call report shows $1.8B in total assets and $1.4B in member shares and deposits and 6 offices.
Based on its Q2 2026 filing, University of Kentucky Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 17% of 454 credit unions with $1 billion – $10 billion. Among 51 credit unions headquartered in Kentucky, it ranks 45th. Its strongest component is problem-loan coverage (85/100; 7.7%), and its lowest is earnings (31/100; 0.28%).
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 fell 7 points (64 → 57), mostly because the earnings component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 63 |
| Q2 2025 | 64 |
| Q3 2025 | 62 |
| Q4 2025 | 64 |
| Q1 2026 | 60 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.74% |
| Q3 2024 | 10.92% |
| Q4 2024 | 10.93% |
| Q1 2025 | 11.09% |
| Q2 2025 | 11.37% |
| Q3 2025 | 11.35% |
| Q4 2025 | 11.19% |
| Q1 2026 | 11.04% |
| Q2 2026 | 10.91% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.71% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.85% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.97% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.85% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $1.8B | 10.91% | 0.97% | 0.28% | 110.6% |
| Q1 2026 | 60 | $1.7B | 11.04% | 0.89% | 0.53% | 109.3% |
| Q4 2025 | 64 | $1.6B | 11.19% | 0.85% | 0.85% | 110.4% |
| Q3 2025 | 62 | $1.6B | 11.35% | 1.03% | 0.76% | 107.5% |
| Q2 2025 | 64 | $1.5B | 11.37% | 0.71% | 0.66% | 106.2% |
| Q1 2025 | 63 | $1.6B | 11.09% | 0.69% | 0.52% | 104.1% |
| Q4 2024 | 64 | $1.6B | 10.93% | 0.73% | 0.77% | 106.6% |
| Q3 2024 | 64 | $1.6B | 10.92% | 0.76% | 0.89% | 107.3% |
| Q2 2024 | 64 | $1.5B | 10.74% | 0.65% | 0.75% | 104.2% |
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).
Similar-size credit unions in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Park Federal Credit UnionCredit union Louisville, KY | 63 out of 100, Moderate | $1.4B | 17.9% | 2.00% | vs |
| L & N Federal Credit UnionCredit union Louisville, KY | 72 out of 100, Strong | $2.6B | 10.6% | 0.26% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Commonwealth Federal Credit UnionCredit union Frankfort, KY | 73 out of 100, Strong | $2.9B | 11.3% | 0.87% | vs |
Deposit insurance
Is my money safe at University of Kentucky Federal Credit Union?
Yes. University of Kentucky Federal Credit Union is a federally insured credit union (NCUA charter #24165). 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 9.4% of shares and deposits ($130.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.91%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
University of Kentucky Federal Credit Union lists 6 offices in 1 city. Most locations:
- Lexington, KY (6)
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Credit Card Agreement | 10.74% – 18.00% | $0 | $29 | 1.0% |
Identity & history
Profile
- Legal name
- University of Kentucky Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24165
- RSSD ID
- 153997
- Primary regulator
- NCUA
- Established
- 1937
- Headquarters
- 1730 Alysheba Way, Lexington, KY 40509
- Employees
- 310
Quick answers
University of Kentucky Federal Credit Union: common questions
Is University of Kentucky Federal Credit Union NCUA insured?
Yes. University of Kentucky Federal Credit Union is a federally insured credit union (NCUA charter #24165). 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 University of Kentucky Federal Credit Union's TellerScore?
57 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 University of Kentucky Federal Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lexington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Health & Education Federal Credit UnionCredit union Lexington, KY | 97 out of 100, Very strong | $125.8M | 17.7% | 0.23% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Transcend Credit UnionCredit union Louisville, KY | 83 out of 100, Strong | $588.3M | 13.4% | 0.13% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |