RANKING ·
Lowest efficiency ratio in Kentucky
17 of 51 credit unions in Kentucky that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | The Health & Education Federal Credit Union | Lexington, KY | 50.4% | $126 million |
| 2 | Abound Federal Credit Union | Radcliff, KY | 54.1% | $2.8 billion |
| 3 | Commonwealth Federal Credit Union | Frankfort, KY | 55.7% | $2.9 billion |
| 4 | Signet Federal Credit Union | Paducah, KY | 63.5% | $398 million |
| 5 | Transcend Credit Union | Louisville, KY | 65.2% | $588 million |
| 6 | C-Plant Federal Credit Union | Paducah, KY | 65.4% | $366 million |
| 7 | L & N Federal Credit Union | Louisville, KY | 67.4% | $2.6 billion |
| 8 | Park Federal Credit Union | Louisville, KY | 68.7% | $1.4 billion |
| 9 | Class Act Federal Credit Union | Louisville, KY | 74.6% | $365 million |
| 10 | Members Heritage Credit Union | Lexington, KY | 74.7% | $591 million |
| 11 | Expree Credit Union | Frankfort, KY | 76.0% | $119 million |
| 12 | Members Choice Credit Union | Ashland, KY | 76.4% | $431 million |
| 13 | Advanz Federal Credit Union | Louisville, KY | 76.8% | $162 million |
| 14 | Autotruck Financial Credit Union | Louisville, KY | 78.0% | $220 million |
| 15 | Ashland Credit Union | Ashland, KY | 81.0% | $412 million |
| 16 | Service One Credit Union | Bowling Green, KY | 85.2% | $269 million |
| 17 | University of Kentucky Federal Credit Union | Lexington, KY | 87.1% | $1.8 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings