Headquartered in Louisville, Kentucky, Young Community Federal Credit Union is a federal credit union with $869K in total assets and $542K in member shares and deposits as of Q2 2026.
Based on its Q2 2026 filing, Young Community Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 44th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (0/100; -16.62%).
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 8 points (66 → 58), mostly because the capital cushion component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 60 |
| Q2 2025 | 66 |
| Q3 2025 | 57 |
| Q4 2025 | 58 |
| Q1 2026 | 50 |
| Q2 2026 | 58 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 40.01% |
| Q4 2024 | 33.85% |
| Q1 2025 | 8.39% |
| Q2 2025 | 10.17% |
| Q3 2025 | 7.39% |
| Q4 2025 | 7.74% |
| Q1 2026 | 4.57% |
| Q2 2026 | 7.58% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.50% |
| Q3 2024 | -40.26% |
| Q4 2024 | -61.46% |
| Q1 2025 | -27.20% |
| Q2 2025 | -8.65% |
| Q3 2025 | -18.75% |
| Q4 2025 | -13.64% |
| Q1 2026 | -14.93% |
| Q2 2026 | -16.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $869K | 7.58% | 0.00% | -16.62% | 39.6% |
| Q1 2026 | 50 | $716K | 4.57% | 0.00% | -14.93% | 44.4% |
| Q4 2025 | 58 | $758K | 7.74% | 0.00% | -13.64% | 32.7% |
| Q3 2025 | 57 | $755K | 7.39% | 0.00% | -18.75% | 32.7% |
| Q2 2025 | 66 | $980K | 10.17% | 0.00% | -8.65% | 19.4% |
| Q1 2025 | 60 | $940K | 8.39% | 0.00% | -27.20% | 11.2% |
| Q4 2024 | 80 | $420K | 33.85% | 0.00% | -61.46% | 0.7% |
| Q3 2024 | 80 | $549K | 40.01% | 0.00% | -40.26% | 0.7% |
| Q2 2024 | — | $400K | 0.00% | — | -1.50% | — |
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 |
|---|---|---|---|---|---|
| Tayco Employees Federal Credit UnionCredit union South Shore, KY | 54 out of 100, Below average | $1.9M | 55.8% | 13.33% | vs |
| Corning Glass Works Harrodsbg Federal Credit UnionCredit union Harrodsburg, KY | 73 out of 100, Strong | $5.2M | 22.5% | 1.00% | vs |
| Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY | 90 out of 100, Very strong | $6.6M | 22.6% | 0.00% | vs |
| Msd Federal Credit UnionCredit union Louisville, KY | 71 out of 100, Strong | $7.8M | 12.3% | 0.00% | vs |
| F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY | 81 out of 100, Strong | $8.8M | 14.3% | 0.00% | vs |
| Regional Medical Ctr Hopkins Co Emp Federal Credit UnionCredit union Madisonville, KY | 87 out of 100, Very strong | $9.3M | 13.9% | 0.25% | vs |
Deposit insurance
Is my money safe at Young Community Federal Credit Union?
Yes. Young Community Federal Credit Union is a federally insured credit union (NCUA charter #24950). 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 7.58%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
Identity & history
Profile
- Legal name
- Young Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24950
- RSSD ID
- 5900824
- Primary regulator
- NCUA
- Established
- 2023
- Headquarters
- 2200 Greene Way, Louisville, KY 40220
- Employees
- 2
Quick answers
Young Community Federal Credit Union: common questions
Is Young Community Federal Credit Union NCUA insured?
Yes. Young Community Federal Credit Union is a federally insured credit union (NCUA charter #24950). 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 Young Community Federal Credit Union's TellerScore?
58 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.