Sep, 30, 2025 — NORTHERN KENTUCKY EDUCATORS' FEDERAL CREDIT UNION is a federal credit union headquartered in HIGHLAND HEIGHTS, KY with 3 branch locations and about $42.31 million in total assets. Opened 53 years ago in 1973, NORTHERN KENTUCKY EDUCATORS' FEDERAL CREDIT UNION has about 7,021 members and employs 12 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORTHERN KENTUCKY EDUCATORS' FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2805 Alexandria Way HIGHLAND HEIGHTS, KY 41076 |
| Phone: | (859) 441-3405 |
| Fax: | (859) 442-1204 |
| Website: | https://www.nkfcu.org |
| Branches: | 3 branch locations |
| Members: | 7,021 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 21339 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1973 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $42,312,328 |
| CEO/Manager: | Judy G Hester |
| Chairperson: | Aaron W Seyfried |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,684,740 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,744,153 |
| Unsecured Loans | 1,228,405 |
| Other Loans | 13,840,670 |
| TOTAL LOANS | 17,813,228 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -65,440 |
| Land And Building | 439,053 |
| Other Fixed Assets | 132,845 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 347,840 |
| All Other Assets | 0 |
| TOTAL ASSETS | 42,312,328 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5,725 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,203,718 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 7,355,043 |
| Regular shares | 26,685,436 |
| All Other Shares & Deposits | 1,550,194 |
| TOTAL SHARES & DEPOSITS | 35,590,673 |
| TOTAL LIABILITIES | 36,800,257 |
| Regular Reserve | 0 |
| Other Reserves | 1,821,860 |
| Undivided Earnings | 3,690,211 |
| TOTAL EQUITY | 5,512,071 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 42,312,328 |
| INCOME & EXPENSE | |
| Loan Income | 793,394 |
| Investment Income | 676,910 |
| Other Income | 103,667 |
| Total Employee Compensation & Benefits | 495,747 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 649,606 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -8,251 |
| Cost of Funds | 76,457 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 522,652 |
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