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Kentucky Credit Union Performance
How the 52 credit unions based in Kentucky are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Kentucky's 52 credit unions serve 990,590 members and hold $16.55B in combined assets. The median Kentucky credit union earned a 0.76% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Kentucky credit unions was -1.26%, compared with -0.55% nationally. Median one-year asset growth was 3.70%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Kentucky at a glance
Kentucky vs. the United States
System totals are the sum of every credit union in Kentucky. The share column is Kentucky's portion of the national figure.
| Measure | Kentucky | United States | Kentucky share |
|---|---|---|---|
| Credit unions | 52 | 4,335 | 1.2% |
| Members | 990,590 | 147,031,529 | 0.7% |
| Residents (population) | 4,588,372 | 340,110,988 | 1.3% |
| Total assets | $16.55B | $2,507.50B | 0.7% |
| Total loans | $11.66B | $1,744.86B | 0.7% |
| Total shares & deposits | $13.97B | $2,143.21B | 0.7% |
| Total net worth | $2.13B | $282.23B | 0.8% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Kentucky credit unions report about 22 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Kentucky credit unions serve members in other states, so it overstates true in-state penetration.)
The median Kentucky credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Kentucky CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.76% | 0.66% |
| Net worth ratio | 12.80% | 12.44% |
| Loan-to-share ratio | 66.81% | 67.86% |
| Delinquency ratio | 0.55% | 0.63% |
| Net charge-off ratio | 0.29% | 0.33% |
| Cost of funds | 1.09% | 1.05% |
| Member growth (1 yr) | -1.26% | -0.55% |
| Asset growth (1 yr) | 3.70% | 2.78% |
| Loan growth (1 yr) | 2.93% | 0.63% |
| Share growth (1 yr) | 3.38% | 2.36% |
| Net worth growth (1 yr) | 5.51% | 5.57% |
Trends over time
The median Kentucky credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.72% · 0.72%
— Kentucky ‑‑ U.S. (1 year not shown)
Net worth ratio 13.13% · 12.46%
— Kentucky ‑‑ U.S.
Loan-to-share ratio 68.96% · 69.70%
— Kentucky ‑‑ U.S.
Delinquency ratio 0.65% · 0.72%
— Kentucky ‑‑ U.S.
Asset growth (1 yr) 2.34% · 3.26%
— Kentucky ‑‑ U.S. (1 year not shown)
Member growth (1 yr) -2.12% · -0.52%
— Kentucky ‑‑ U.S. (1 year not shown)
Kentucky leaderboards
Largest by assets
- 1 Commonwealth Credit Union $2.83B
- 2 Fort Knox Credit Union $2.72B
- 3 L&N Credit Union $2.58B
- 4 University of Kentucky Credit Union $1.69B
- 5 Park Credit Union $1.45B
- 6 Kentucky Telco Credit Union $589.4M
- 7 Members Heritage Credit Union $583.6M
- 8 Members Choice Credit Union $425.8M
- 9 Ashland Inc Employees Credit Union $412.5M
- 10 Paducah Credit Union $389.6M
Highest return on assets
- 1 The Health & Education Credit Union 1.73%
- 2 Morehead Community Credit Union 1.73%
- 3 Commonwealth Credit Union 1.42%
- 4 Green River Area Credit Union 1.41%
- 5 Class Act Credit Union 1.35%
- 6 C-Plant Credit Union 1.32%
- 7 Paducah Credit Union 1.20%
- 8 Daviess County Teachers Credit Union 1.17%
- 9 L&N Credit Union 1.16%
- 10 Owensboro Credit Union 1.04%
Fastest-growing (organic)
- 1 Daviess County Teachers Credit Union 12.10%
- 2 L&N Credit Union 9.67%
- 3 Morehead Community Credit Union 9.32%
- 4 Fort Knox Credit Union 9.25%
- 5 Kentucky Employees Credit Union 8.90%
- 6 C-Plant Credit Union 8.47%
- 7 Green River Area Credit Union 7.28%
- 8 Kentucky Telco Credit Union 6.58%
- 9 Owensboro Credit Union 6.08%
- 10 Class Act Credit Union 5.91%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
The small credit unions in Kentucky
46 at the end of 2016, 27 at the end of 2025.
Median net worth ratio 13.07% against 12.63% for credit unions at or above the line. Median one-year member growth -3.79% against -0.33%.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Kentucky that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.