University Of Kentucky Federal Credit Union
University Of Kentucky Federal Credit Union is headquartered in Lexington and is the 4th largest credit union in the state of Kentucky. It is also the 305th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 257 employees and 108,770 members at 8 locations. University Of Kentucky Federal Credit Union has an A health rating.
Field of Membership Restrictions
Membership in University Of Kentucky Federal Credit Union is open to all Kentucky residents through membership in the American Consumer Council. Membership is also extended to individuals who live, work, worship, or attend school in portions of Fayette County (greater Lexington area). Faculty, staff, and students of the University of Kentucky and members of select alumni associations and other SEGs are also eligible to join.
See current membership details
Terrible Bank!!! Stay Away!!
i applied for membership and it took a week to hear back from them, while they held my deposit. i finally was able to speak to jenny goff, and she made it seem as though i was approved but had to get back with me for my member number. i waited another week, never heard anything. i called repeatedly then she said i'm not approved and that i have fraud on my social security number. i have fraud monitoring on both my chex report and my credit report, and so i know for a fact she is lying. im in tennessee, and supposedly eligible for membership, but they are telling me i have to go there in person. they wouldn't allow me to provide any proof of identity. regardless, they shouldn't have held on to my deposit for 2 weeks. they are terrible in their communication. i even received a statement, even though i'm not a member!! what a joke!!! lousy bank!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24165 |
| Year Chartered | 1937 |
| Employees | 257 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.52% |
| Return on Equity - YTD | 4.68% |
| Annual Interest Income | $22.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $1.56B$1.53B |
| Loans | Q1 2025vs Q1 2024 | $1.3B$1.28B |
| Deposits | Q1 2025vs Q1 2024 | $1.25B$1.25B |
| Equity Capital | Q1 2025vs Q1 2024 | $172.1MM$160.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $14.7MM$14.2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $9MM$7.1MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |