| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Young Community Federal Credit Union Louisville, KY | Credit Union | — | $716K | 205.55% |
| 2 | Cornerstone Community Bank Owensboro, KY | Bank | Owensboro, KY | $44.5M | 171.43% |
| 3 | Home Savings Bank, FSB Ludlow, KY | Bank | Cincinnati, OH-KY-IN | $25.7M | 147.56% |
| 4 | Kraftcor Federal Credit Union Hawesville, KY | Credit Union | — | $12.5M | 136.94% |
| 5 | Your Hometown Federal Credit Union Mayfield, KY | Credit Union | — | $27.1M | 115.40% |
| 6 | Corning Glass Works Harrodsbg Federal Credit Union Harrodsburg, KY | Credit Union | — | $5.2M | 109.94% |
| 7 | First & Peoples Bank and Trust Company Russell, KY | Bank | Huntington-Ashland, WV-KY-OH | $207.1M | 109.34% |
| 8 | W B H Employees Federal Credit Union |
| Credit Union |
| — |
| $17.0M |
| 106.61% |
| 9 | Doe Run Federal Credit Union Brandenburg, KY | Credit Union | — | $12.1M | 105.42% |
| 10 | Greater Kentucky Cu, Inc. Credit Union Lexington, KY | Credit Union | — | $85.5M | 98.24% |
| 11 | Citizens Federal Savings and Loan Association Covington, KY | Bank | Cincinnati, OH-KY-IN | $41.9M | 94.28% |
| 12 | Lexington Postal Community Credit Union Lexington, KY | Credit Union | — | $27.7M | 94.26% |
| 13 | Old Kentucky Home Federal Credit Union Bardstown, KY | Credit Union | — | $19.6M | 93.38% |
| 14 | Autotruck Financial Credit Union Louisville, KY | Credit Union | — | $219.1M | 92.05% |
| 15 | Metro Plus Credit Union Lexington, KY | Credit Union | — | $51.9M | 91.38% |
| 16 | Commonwealth Community Bank, Inc. Hartford, KY | Bank | — | $157.7M | 91.01% |
| 17 | Pbt Bancorp Hazard, KY | Bank | — | $473.2M | 90.25% |
| 18 | Beacon Community Credit Union Louisville, KY | Credit Union | — | $70.7M | 88.92% |
| 19 | Magnolia Bank, Incorporated Elizabethtown, KY | Bank | Elizabethtown-Fort Knox, KY | $546.3M | 87.88% |
| 20 | Msd Federal Credit Union Louisville, KY | Credit Union | — | $7.8M | 83.05% |
| 21 | Labor Management Federal Credit Union Lewisport, KY | Credit Union | — | $28.3M | 83.03% |
| 22 | Blue Grass Federal Savings and Loan Association Paris, KY | Bank | Lexington-Fayette, KY | $58.5M | 82.90% |
| 23 | First Federal Savings and Loan Association Morehead, KY | Bank | — | $41.3M | 82.59% |
| 24 | Independent Correspondent Bankers' Bank, Inc. Frankfort, KY | Bank | Frankfort, KY | $151.4M | 81.97% |
| 25 | Members Heritage Credit Union Lexington, KY | Credit Union | — | $583.6M | 81.44% |
| 26 | Arh Federal Credit Union Middlesboro, KY | Credit Union | — | $20.0M | 81.44% |
| 27 | Lake Chem Community Federal Credit Union Benton, KY | Credit Union | — | $98.4M | 81.27% |
| 28 | Whitesville Community Credit Union Whitesville, KY | Credit Union | — | $39.9M | 80.73% |
| 29 | Main Impact Federal Credit Union Murray, KY | Credit Union | — | $23.9M | 80.64% |
| 30 | Owingsville Banking Company Owingsville, KY | Bank | Mount Sterling, KY | $104.1M | 80.32% |
| 31 | Members Choice Credit Union Ashland, KY | Credit Union | — | $425.8M | 80.13% |
| 32 | Bank of the Mountains, Inc. West Liberty, KY | Bank | — | $100.0M | 79.77% |
| 33 | University Of Kentucky Federal Credit Union Lexington, KY | Credit Union | — | $1.69B | 79.75% |
| 34 | K I T Federal Credit Union Louisville, KY | Credit Union | — | $22.4M | 79.02% |
| 35 | Citizens Bank & Trust Co. of Jackson Jackson, KY | Bank | — | $217.3M | 77.76% |
| 36 | Expree Credit Union Frankfort, KY | Credit Union | — | $117.7M | 77.73% |
| 37 | Hometown Bank of Corbin, Inc. Corbin, KY | Bank | London, KY | $302.3M | 77.53% |
| 38 | Carrollton Federal Bank Carrollton, KY | Bank | — | $43.6M | 77.43% |
| 39 | Kemba Louisville Credit Union Louisville, KY | Credit Union | — | $60.2M | 77.34% |
| 40 | Tayco Employees Federal Credit Union South Shore, KY | Credit Union | — | $2.0M | 77.31% |
| 41 | Pinnacle Bank, Inc. Pikeville, KY | Bank | — | $57.9M | 75.62% |
| 42 | The First National Bank of Brooksville Brooksville, KY | Bank | Cincinnati, OH-KY-IN | $73.7M | 75.45% |
| 43 | Eclipse Bank, Inc. Louisville, KY | Bank | Louisville-Jefferson County, KY-IN | $485.7M | 75.41% |
| 44 | The First National Bank of Manchester Manchester, KY | Bank | London, KY | $230.1M | 75.25% |
| 45 | Forcht Bank, National Association Lexington, KY | Bank | Lexington-Fayette, KY | $1.65B | 74.77% |
| 46 | Kue Federal Credit Union Lexington, KY | Credit Union | — | $55.6M | 74.76% |
| 47 | Bank of Hindman Hindman, KY | Bank | — | $259.7M | 73.40% |
| 48 | Regional Medical Ctr Hopkins Co Emp Federal Credit Union Madisonville, KY | Credit Union | — | $9.6M | 73.34% |
| 49 | Owensboro Federal Credit Union Owensboro, KY | Credit Union | — | $89.5M | 73.22% |
| 50 | The Peoples Bank Marion, KY | Bank | — | $135.3M | 73.18% |