Transcend Credit Union

Overview / Commentary
3740 Bardstown Rd
Louisville, KY 40218-2209

Transcend Credit Union is headquartered in Louisville and is the 7th largest credit union in the state of Kentucky. It is also the 702nd largest credit union in the nation. It was established in 1934 and as of September of 2021, it had grown to 72 employees and 48,835 members at 6 locations. Transcend Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Transcend Credit Union is open to those who live, work, worship, attend school, or volunteer in the Kentucky counties of Anderson, Bourbon, Boyle, Bullitt, Clark, Daviess, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, or Woodford.
See current membership details

Reviews (1)

Very satisfied with Kytelco

This has been a great local bank to work with. The employees were very friendly and it did have the local bank feel, instead of the long-wait or the operator-based customer service one would typically expect with larger banks. The wait time was never very long, and there were never really any lines at the bank. The best thing I really like was the feeling that there were never any hidden fees, which is very different than a lot of other banks I have encountered. As far as the products go, I believe they do offer a rather competitive package, although without the lucrative bonuses, or referral kick-backs. But overall, I enjoyed working with this bank, its friendly and professional employees, and the warm atmosphere. I would suggest anyone to bank here, but the only issue is that you may not live conveniently next to one, and may be better served by a national chain bank which is more practical.


Health Grade Components

NCUA #68666
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD4.22%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$490.7MM$456.4MM
LoansQ3 2021vs Q3 2020$327.5MM$295.2MM
DepositsQ3 2021vs Q3 2020$418.9MM$389.9MM
Equity CapitalQ3 2021vs Q3 2020$57.4MM$54.8MM
Loan Loss AllowanceQ3 2021vs Q3 2020$656.00K$949.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$332.00K$374.00K
Real Estate OwnedQ3 2021vs Q3 2020$0$0

Rates for Transcend Credit Union are currently being reviewed.


Transcend Credit Union Locations
Branch Office4652 Dixie HwyShively, KY 40216
Branch Office4816 Outer LoopLouisville, KY 40219-3302
Branch Office3740 Bardstown RdLouisville, KY 40218-2209
Branch Office601 S Floyd St Ste 100Louisville, KY 40202
Branch Office2549 Regency Rd Ste 105Lexington, KY 40503
Branch Office12104 Shelbyville RdLouisville, KY 40243-1045

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