# UNIVERSITY OF KENTUCKY
Lexington, KY · NCUA charter 24165 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-kentucky-24165

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 112,948 members of 890,819 potential (12.7% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.69B |
| Members | 112,948 (3.8% YoY) |
| Full-time staff | 275 |
| Net worth | $186.7M |
| Net worth ratio | 11.0% (p58 of band) |
| ROA (annualized) | 0.53% (p34 of band) |
| Total delinquency | 0.89% (p74 of band) |
| Net charge-offs (annualized) | 0.47% (p45 of band) |
| Loans / shares | 109% (p98 of band) |
| Cash / assets | 9.5% |
| Borrowings / assets | 9.91% |
| Net interest margin | 3.31% (p49 of band) |
| Operating expense / assets | 3.61% (p71 of band) |
| Vehicles % of loans | 32% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 243% (p75 of band) |
| Vehicle delinquency | 0.63% (p55 of band) |
| Vehicle NCO | 1.03% (p53 of band) |
| Repossessed % of vehicle book | 0.03% (p35 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 96% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 40% |
| Average share balance | $6,276 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $15.9M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $23,361 |
| Loans granted, annualized | $555.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $15.9M outstanding purchased (8.5% of net worth), $4.0M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | net worth falling | charge-offs p90 |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | net worth falling |  |
| 2018-12 | 1 |  | net worth falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, members leaving |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | members leaving |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | loans>95% of shares |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 4 | net worth falling, leaning on borrowings | delinquency rising |
| 2023-03 | 3 |  | net worth falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | net worth falling |  |
| 2026-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [UK Federal Credit Union and Cove Federal Credit Union Complete Merger - Business Wire](https://news.google.com/rss/articles/CBMixAFBVV95cUxQWUE4TmItbHY4aU1PaEhUekNnTEVQXzA3RTltX0F1YXJoczZBdHAyMGQ2RzctXzJoVEY2LU42VUQxNEVfMEl1a1FQYVhKM0lDNUlFdy0zRmltMnNOYWtUb2FEdExkTzdtSXBta3cxUDlkQ1RxODAyQmYwMjM2eDhBUVpwOUNFREcwV2J5QlJVX3RCelZKSmN6ZkUtc3BUQTE4eEE3bDlwSGkyWkRqQ2dBOHJlMjM1MWY3bXZaVDZZLXFPVDEx?oc=5) · Business Wire
- 2026-02-10 [Christian Laettner made an appearance in UK Credit Union's Super Bowl commercial - on3.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPWUhMMGNBYkM4aU9NN2RDLUNSa05VQUVDVGdSUVJ5UXFWbEItaVI5OFVhLXNQczFYalN2OHY3WnFCWFVYSS1aRGYzRGw2ZGpDdlcxZG13NnJTYjlqd0hUNGJoME40cGpoUlNqOElwT2ZBc3hPQUVTcFphYzVpbWZpOTJhRklJakdtT3VqX0ZXYklJcWhURV9ITk1BZl9GN1AtZTBYTng0T2d4MDcyTlJycTEwbGc1M2RyZldPSVdXaw?oc=5) · on3.com
- 2025-11-30 [See photos of Mark Stoops, other UK football coaches through the years - The Courier-Journal](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOQlNWNnRBZEw5cFJObWU3VlA1eTRMa1lheTBtbGNqZG14WDM4TUV3c0hHWG1MUDdKSVZvTm43S2xZRGx3RTRpNWhWU2VMTGViSkp1Ul9McWJtUjRJY3NFRHA5QXgxWDQ2X1JYSWJGeXVQVGp3eDdxS3lKc3AzdnVQOGhKRVZTc0w1SjNSTnVPX3hJQlctN2ZhampsSmw2THFrczcwN2laSnoxRWt6RlQxQW1NTWwyaUFOelZqZWh6LWlsemNKZ2pOU1U1WUdSR2lnME1QMWptSzRUZmtURkRoc3FqLVNEM05ZQndob0xoS0kycEJzaklyLS1VakJHOUU?oc=5) · The Courier-Journal
- 2026-01-07 [UK Credit Union Announces New, World-Class Member Experience Powered by Glia - Business Wire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQM0ZqdWJ1RGR4bjQwNW15eWRRVkRyb05JLTNkU29YMmRPT1J4ckotTGlWaTZiQ3Mybmd4MjZLLUs0WkItM1NIek1xQVNYY2ltY1ZoSXZ2cVJSb29POWktRlllWUFfYU5aa0p6cF9aMGkycFZEaHhxNFRjN3dmR3RjaU5wX2hzTDl5MjlHakllUkYtemVXQlRhYkhodXFvUE4ycFZSNm44THV2VDFxcHFXTW1JSUVObHJnbFJTRVgtQkFtek5pN2NxbmhFU0s?oc=5) · Business Wire
- 2024-09-12 [UK Federal Credit Union Names Ryan Ross President & CEO - PR Newswire](https://news.google.com/rss/articles/CBMirwFBVV95cUxOVG5KYUFMbC1qVnhocHBUdzBuQXp5MFB2ZmhQN3RNcHhTX2ttTTBGNnBHakRtSW5ocXg3ZDlZRWhlWXFOVFBydWNXdGVtODFKb1VZU0lkVl9tQU1BR3lTR1UyeFdleU0yazZQdG1lMGxBTjQ2dmRzSjJqR2lXWnhYQjZyNFdwWUthWEwwZjJOSjM5ejlLUzZkSWVDVmlSVHhWMVRYWm9TSFZKZGFsU3dr?oc=5) · PR Newswire
- 2020-07-01 [UK Federal Credit Union Acquires Naming Rights for Esports Lounge, Theater - UKNow](https://news.google.com/rss/articles/CBMipgFBVV95cUxQREszN2lzZjJiRlZZWlhPajlWT2pnZWtpYUlyTzZLODRXeTlSWUhwQkp6czlrNGtTTGEzMjBUQkNSZE83WTNnQjgtVnhNdVdlT255bThRYlVhakktZnYwbGx0YjRTcWdKZVRjTU10d0tCNFEtdkVBcjZPS0ZUZ3ZQTVN0V2V3SXRGMXdrb3pmTG1QUHEwMk9ZckxYR090d0FtM3JZQU5B?oc=5) · UKNow
- 2025-08-04 [UK Federal Credit Union and Cove Federal Credit Union announce merger - The Lane Report](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMEgzUTZKWDNtbVB4azdqQjcyNGQ5RGp0OU1iTDhEcDNWYjVqT0pZY3praDkzRHdNLTJ0YWg2SjdPcXRvVTdLVmhnb3JIdzNtQTVORnYxWEZPWm5xOFdtVnM2NmJrcjl5d082RldtMFYzcXByWVRiWFRtSVRId0dJdkZqTjZ0UlI5LXNzS3l6Nks1ODYtWThraGd3a0Y5U2phaFpHb19zUDFjTnZXVDZUc1JR?oc=5) · The Lane Report
- 2025-08-01 [UK Federal Credit Union and Cove Federal Credit Union Announce Merger - Yahoo Finance](https://news.google.com/rss/articles/CBMif0FVX3lxTE5Yek9FbVRoV0c2ZDVOSWpFelRLS29XRi1ndVZYVUpXQ054WE1sTnR6blhZLTNROGVkWUNZb2tpNkNCS0pSQUZ3X1lOZ0hGdm4yMFBBT3pHZTZ5NmFMT1BiVXMtY2ZXeGRrc09qYk1ockhQOFhNZDlVWlFhcVlFLXM?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24165 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "24165", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24165
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide