Sep, 30, 2025 — UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION is a federal credit union headquartered in LEXINGTON, KY with 8 branch locations and about $1.59 billion in total assets. Opened 89 years ago in 1937, UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION has about 110,916 members and employs 301 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1730 Alysheba Way LEXINGTON, KY 40509 |
| Phone: | (859) 264-4200 |
| Fax: | (859) 264-4208 |
| Website: | https://www.ukfcu.org |
| Branches: | 8 branch locations |
| Members: | 110,916 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24165 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,586,333,594 |
| CEO/Manager: | Ryan Ross |
| Chairperson: | Joseph (Tyler) Gayheart |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 157,491,093 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 176,400 |
| Real Estate Loans | 772,093,572 |
| Unsecured Loans | 47,807,718 |
| Other Loans | 519,115,306 |
| TOTAL LOANS | 1,340,183,509 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -15,290,116 |
| Land And Building | 27,462,255 |
| Other Fixed Assets | 8,404,941 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 11,401,024 |
| All Other Assets | 186,300 |
| TOTAL ASSETS | 1,586,333,594 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 936,021 |
| Notes & Interest Payable | 139,500,000 |
| Accounts Payable & Other Liabilities | 19,729,254 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 192,456,234 |
| Regular shares | 300,551,583 |
| All Other Shares & Deposits | 753,910,912 |
| TOTAL SHARES & DEPOSITS | 1,246,918,729 |
| TOTAL LIABILITIES | 1,407,333,476 |
| Regular Reserve | 0 |
| Other Reserves | -478,026 |
| Undivided Earnings | 179,478,144 |
| TOTAL EQUITY | 179,000,118 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,586,333,594 |
| INCOME & EXPENSE | |
| Loan Income | 62,225,807 |
| Investment Income | 5,458,297 |
| Other Income | 5,734,499 |
| Total Employee Compensation & Benefits | 23,614,225 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 18,138,808 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 5,462,551 |
| Cost of Funds | 25,466,553 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 8,999,886 |
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