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Credit union call report ยท Highland Heights, KY

Northern Kentucky Federal Credit Union Call Report

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Northern Kentucky Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 255 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Northern Kentucky Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number21339
Federal Reserve RSSD ID501383

The official copy: search charter number 21339 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Northern Kentucky Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Northern Kentucky Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $308K
1c. Total Cash on Hand 730A $308K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $6.4M
2c. Cash on Deposit in Other Financial Institutions 730B2 $466K
2. Cash on Deposit (total) 730B $6.9M
3. Time Deposits in Banks and Credit Unions AS0007 $9.4M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $16.6M
9. Held-to-Maturity Debt Securities AS0073 $5.7M
11. TOTAL INVESTMENT SECURITIES AS0013 $5.7M
12b. Perpetual Contributed Capital 769B $425K
13. TOTAL OTHER INVESTMENTS AS0017 $425K
15a. Number of Total Loans and Leases 025A 1,478
15b. Total Loans and Leases 025B $18.7M
17. ACL on Loans and Leases AS0048 $64K
19. Land and Building 007 $422K
20. Other Fixed Assets 008 $302K
21. NCUA Share Insurance Capitalization Deposit 794 $348K
22d. Accrued Interest on Loans 009A $45K
22e. Accrued Interest on Investments 009B $92K
22f. All Other Assets 009C $535K
22g. Total Other Assets AS0036 $672K
23. TOTAL ASSETS 010 $43.1M
Accounts Payable and Other Liabilities 825 $714K
ACL on Off-Balance-Sheet Exposures LI0003 $416
Member Shares of All Types 013 $36.3M
Total Shares and Deposits 018 $36.3M
Undivided Earnings 940 $4.2M
Total Net Worth 997 $6.0M
Net Worth Ratio 998 13.99%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $43.1M
Statement of Income and Expense (23 items)
Northern Kentucky Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $560K
3. Income from Investments 120 $417K
5. TOTAL INTEREST INCOME 115 $977K
6. Dividends on Shares 380 $46K
9. TOTAL INTEREST EXPENSE 350 $46K
10. NET INTEREST INCOME IS0010 $931K
12a. Credit Loss Expense - Loans and Leases IS0011 $9K
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 $327
12e. Total Credit Loss Expense IS0017 $9K
13. Fee Income 131 $91K
14. Other Operating Income IS0020 $109K
23. TOTAL NON-INTEREST INCOME 117 $199K
24. Employee Compensation and Benefits 210 $364K
25. Travel and Conference 230 $832
26. Office Occupancy 250 $57K
27. Office Operations 260 $184K
28. Educational and Promotional 270 $26K
29. Loan Servicing 280 $41K
30. Professional and Outside Services 290 $79K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $19K
34. TOTAL NON-INTEREST EXPENSE 671 $774K
35. NET INCOME 661A $346K
Statement pages - all other filed accounts (20 items)

delinquency (21%), credit cards (21%)

Northern Kentucky Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $135K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $53K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $696
Loans Granted Year-to-Date 031A $191
Amount of Loans Granted Year-to-Date 031B $3.9M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $54K
Number of current members (not number of accounts) 083 6,766
Number of potential members 084 150,000
Interest Rate of Unsecured Credit Card Loans 521 899.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 875.00%
Interest Rate of New Vehicle Loans 523 525.00%
Interest Rate of Used Vehicle Loans 524 500.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $9K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $238
Amount of Regular Shares 657 $26.7M
Amount of Share Drafts 902 $8.2M
IRA/KEOGH Accounts - < 1 Year 906A $265K
Share Certificates - < 1 Year 908A $788K
Total Amount of Share Certificates 908C $1.1M
Number of Used Vehicle Loans 968 555
NCUA data file FS220A (25 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Northern Kentucky Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Amount of Leases Receivable 002 $16K
Total Shares - < 1 Year 013A $36.0M
Total Shares - 1-3 Years 013B1 $353K
Total Shares and Deposits - < 1 Year 018A $36.0M
Total Shares and Deposits - 1-3 Years 018B1 $353K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 6
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $9.9M
Amount of New Vehicle Loans 385 $3.0M
Amount of Unsecured Credit Card Loans 396 $218K
Amount of All Other Unsecured Loans/Lines of Credit 397 $937K
Share Certificates 451 $74
Number of Accounts for Share Drafts 452 2,027
IRA/KEOGH Accounts 453 $34
Number of Accounts for Regular Shares 454 5,079
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 7,214
Number of credit union employees who are Full-Time (26 hours or more) 564A 10
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Interest Rate of Leases Receivable 565 645.00%
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $45K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,677.00%
Number of Outstanding Indirect Loans 617A 39
Total Amount of Outstanding Indirect Loans 618A $515K
Total credit lines 881 $750K
Number of Leases Receivable 954 1
NCUA data file FS220B (20 items)

maturity and repricing buckets (40%), credit cards (17%)

Northern Kentucky Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $5K
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $5K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $259K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $259K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $36.1M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $26.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2K
Fair value of Held to Maturity Securities 801 $5.7M
Amount of Share Drafts - < 1 Year 902A $8.2M
Total Amount of IRA/KEOGH Accounts 906C $265K
Share Certificates - 1-3 Years 908B1 $353K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $342K
Number of New Vehicle Loans 958 119
Total Shares 966 $7K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $143K
Number of Unsecured Credit Card Loans 993 418
Number of All Other Unsecured Loans/Lines of Credit 994 218
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 7
NCUA data file FS220C (4 items)

charge-offs and recoveries (27%), participation loans (18%)

Northern Kentucky Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 3
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $447K
Outstanding balance of brokered certificates of deposit and share certificates 788 $14.9M
NCUA data file FS220D (23 items)

member services and products offered (69%), CUSO relationships (27%)

Northern Kentucky Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
Online Financial Literacy 879B7 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (6 items)

loans and leases (32%), participation loans (18%)

Northern Kentucky Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $1.8M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $13K
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $8K
Total Credit Lines at Corporate Credit Unions 884 $750K
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $1.8M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $1.8M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Northern Kentucky Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $1.3M
NCUA data file FS220I (10 items)

vehicle lending (59%), delinquency (44%)

Northern Kentucky Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $8K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $112K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $46K
Amount of New Vehicle Loans Delinquent >=360 days 023C1 $696
Number of Reportable Delinquent New Vehicle Loans 035E1 1
Number of Reportable Delinquent Used Vehicle Loans 035E2 2
Amount of Reportable Delinquent New Vehicle Loans 041C1 $696
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $46K
Commercial Share Accounts 643 $342K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $1K
NCUA data file FS220J (2 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Northern Kentucky Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Insurance 789E2 $477K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $477K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Northern Kentucky Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $18.7M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $3.3M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 625.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 350.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 650.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.2M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $8K
NCUA data file FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Northern Kentucky Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $696K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $621K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.3M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $29K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 1
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 82
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 84
NCUA data file FS220N (6 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Northern Kentucky Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $1.2M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $4.2M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $248K
Total Liabilities LI0069 $37.0M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $16K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $43.1M
NCUA data file FS220P (12 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Northern Kentucky Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $7K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $238
All Other Unsecured Loans/Lines of Credit DL0022 $7K
All Other Unsecured Loans/Lines of Credit DL0024 $2K
All Other Unsecured Loans/Lines of Credit DL0027 $2K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $2
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $8K
Amount of Consumer Loans in Non-Accrual Status DL0145 $54K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 31
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $433K
Number of Indirect Loans - All Other Loans IN0007 8
Amount of Indirect Loans - All Other Loans IN0008 $82K
NCUA data file FS220Q (22 items)

investment portfolio detail (69%)

Northern Kentucky Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $5.7M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $5.7M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $5.7M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $4.0M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $4.9M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $499K
Investment Maturity Distribution - Time Deposits - Total NV0116 $9.4M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $5.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $425K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $425K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $5.2M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $9.1M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $747K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $425K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $15.5M
RBC Total Equity RB0001 $6.0M
RBC Allowance for Credit Losses RB0002 $65K
RBC Total Additions RB0005 $65K
RBC Total Deductions RB0009 $348K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $5.7M
RBC Risk-Based Capital Numerator RB0012 $5.7M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $6K
NCUA data file FS220R (32 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Northern Kentucky Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $6.1M
RBC Schedule Total Consumer Loans RB0060 $15.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $64K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $64K
RBC Schedule Total Loans RB0079 $18.6M
RBC Total for Risk Weighting Total Loans RB0081 -$64K
RBC Total Loans 0% Weight RB0082 -$64K
RBC Schedule Total Other Assets RB0088 $1.7M
RBC Total for Risk Weighting Other Assets RB0090 $348K
RBC Other Assets 0% Weight RB0091 $348K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $43.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $284K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $284K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $43.1M
RBC Allowance for Credit Losses (Loans) RB0177 $64K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 7,775.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $8K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 49.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 2,483,406.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 392,240.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 33.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 854,126.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 271,300.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $3.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $664K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $83
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $3.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $664K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $890K
Total Shares SH0013 $36.3M
Total Shares and Deposits SH0018 $36.3M
NCUA data file FS220S (4 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Northern Kentucky Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Acquire participation loans PP0044 $1

Northern Kentucky Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Northern Kentucky Federal Credit Union call report?

The Northern Kentucky Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Northern Kentucky Federal Credit Union file?

Northern Kentucky Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Northern Kentucky Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Northern Kentucky Federal Credit Union is 21339.

How often does Northern Kentucky Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Northern Kentucky Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.