NORTHERN KENTUCKY
Federal • Highland Height, Kentucky • Est. 1973
Quick Facts
- Charter Number
- #21339
- Type
- Federal
- Established
- 1973
- Headquarters
- Highland Height, Kentucky 41076
- Address
- 2805 Alexandria Pike
- Branches
- 2
- Members
- 7,028
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,028 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN KENTUCKY |
|---|---|
| Total Assets | $41.2M |
| Members | 7,028 |
| Loans Outstanding | $18.2M |
| Shares & Deposits | $35.0M |
| Net Worth | $5.7M |
| Net Worth Ratio | 13.78% |
| Loan-to-Share Ratio | 51.9% |
| Delinquency Rate | 0.52% |
| Net Income | +$681,355 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Northern Kentucky FCU - Highland Heights
Main Office2805 Alexandria Way
Highland Heights, KY 41076
Northern Kentucky FCU - Florence Location
6720 Dixie Hwy
Florence, KY 41042-2108
Who Can Join NORTHERN KENTUCKY?
Membership Type: Community
Membership eligibility for NORTHERN KENTUCKY may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHERN KENTUCKY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Kentucky RankingsFrequently Asked Questions
Yes. NORTHERN KENTUCKY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, NORTHERN KENTUCKY has 7,028 members and a potential membership field of 150,000 people.
NORTHERN KENTUCKY's net worth ratio is 13.78% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.8%, NORTHERN KENTUCKY meets this threshold.
NORTHERN KENTUCKY operates 2 branch locations. The main office is located at 2805 Alexandria Way, Highland Heights, KY 41076.
NORTHERN KENTUCKY was established in 1973. It is a federal credit union chartered under charter number 21339. The institution has been serving members for 53 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN KENTUCKY. All financial data is for informational purposes only.