Credit Unions in Kentucky
54 federally insured credit unions — NCUA Q4 2025 data
Kentucky credit union statistics
Credit Unions
Federally insured in Kentucky
Total Members
Combined membership
Total Assets
Combined industry assets
Avg Net Worth Ratio
Well-capitalized threshold: 7%
Cities in Kentucky
Select a city to browse local credit unions
Top 10 Credit Unions in Kentucky
Ranked by total assets — Q4 2025
| Rank | Name | Total Assets | Members | Health |
|---|---|---|---|---|
| #1 | COMMONWEALTH | $2.7B | 141K | A+ |
| #2 | ABOUND | $2.6B | 118K | A+ |
| #3 | L & N | $2.5B | 120K | A+ |
| #4 | UNIVERSITY OF KENTUCKY | $1.6B | 112K | A+ |
| #5 | PARK | $1.4B | 80K | B |
| #6 | TRANSCEND | $571.8M | 50K | A+ |
| #7 | MEMBERS HERITAGE | $564.0M | 54K | A+ |
| #8 | MEMBERS CHOICE | $422.1M | 23K | A |
| #9 | ASHLAND | $408.9M | 46K | A |
| #10 | SIGNET | $374.8M | 23K | A+ |
Financially Strongest Credit Unions in Kentucky
Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold
Frequently Asked Questions
There are 54 federally insured credit unions in Kentucky according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $16.1B in assets and serve 991K members.
The average net worth ratio for credit unions in Kentucky is 14.5%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.
The largest credit union in Kentucky by total assets is COMMONWEALTH with $2.7B in assets. You can view full details, branch locations, and financial health data on its individual profile page.
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Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.