Northern Kentucky Federal Credit Union


Overview / Commentary
859-441-3405
2805 Alexandria Way
Highland Heights, KY 41076

Northern Kentucky Federal Credit Union is headquartered in Highland Heights and is the 30th largest credit union in the state of Kentucky. It is also the 2,592nd largest credit union in the nation. It was established in 1973 and as of March of 2025, it had grown to 9 employees and 7,131 members at 2 locations. Northern Kentucky Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Northern Kentucky Federal Credit Union is open to employees of the following: Aunt Kathy's Child Care and Preschool, Beckfield College, Beechwood Independent Schools, Bellevue Independent Schools, Biology Integration and Outreach for Science Education, Boone County Schools, Campbell County Schools, Campbell County Library, Cardinal Engineering Corp, Central Campbell County Fire Dept, Covington Independent Schools, Dayton Independent Schools, Diocese of Covington, Erlanger-Elsmere Schools, Faces without Places, Fort Thomas Schools, Gallatin County Schools, Grant County Schools, Holy Cross, Holy Family Home, Kenton County Schools, Kentucky Education Association (KEA), Ludlow Independent Schools, Madonna Manor, Newport Independent Schools, Northern Kentucky Cooperative for Education, Northern Kentucky University, Northern Kentucky Alumni Association, Pendleton County Schools, Southgate Independent Schools, St. Charles Care Center, The Children's Garden LLC, Thomas More University, Tri-State Gastroenterology Associates, Walton Verona Schools, Williamstown Independent Schools.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Northern Kentucky Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #21339
Year Chartered1973
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD1.76%
Return on Equity - YTD14.04%
Annual Interest Income$472K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$41.8MM$41.2MM
LoansQ1 2025vs Q1 2024$16.7MM$15.9MM
DepositsQ1 2025vs Q1 2024$36.2MM$35.8MM
Equity CapitalQ1 2025vs Q1 2024$5.2MM$4.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$64K$85K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$55K$105K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Northern Kentucky Federal Credit Union are currently being reviewed.

Locations


Northern Kentucky Federal Credit Union Locations
Branch Office2805 Alexandria WayHighland Heights, KY 41076
Branch Office6720 Dixie HwyFlorence, KY 41042-2108

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