Federal credit union · MIDDLESBORO, Kentucky · NCUA charter #20438
ARH
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $18.6M
- Total assets
- 3,666
- Members
- 26.5%
- Net-worth ratio
ARH scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.6M; members 3,666; net-worth ratio 26.47%; health rank #3,380 of 4,374; healthier than 21st of scored peers.
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NCUA 5300 Call Report Masthead
#3,380 of 4,374 health · 2025Q4ARH · health 73/100 · $18.6M · 2025Q4
Call Report peers
ARH in the assets neighbourhood
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ARH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARH sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ARH diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +24.83 pp (84.63% vs 59.80%).
- Largest lag: Delinquency Rate at 2.47% vs peer 1.15% (+1.33 pp).
Where ARH sits in Kentucky
- In Kentucky, health place is #44 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #41 of 54.
- Kentucky membership ordinal: #29 of 54.
- One place up in Kentucky, Brown-Forman Employees (#43) scores 75/100, 2 points higher; one place down, Labor Management (#45) scores 72/100, 1 point lower.
Quarter path for ARH
ARH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.4% from $18.6M (2025Q4) to $20.0M (2026Q1).
- Net-worth ratio shifted -1.66 pp (28.13% → 26.47%).
26.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
ARH gives up 27 points in total. Delinquency Rate costs the most, 15.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.5 pts
- Return on Assets 15.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.47% | +11.61 pp |
| Delinquency Rate | 2.47% | +1.33 pp |
| Return on Assets | 0.93% | +0.22 pp |
| Member Growth | -3.17% | - |
| Loan-to-Share Ratio | 84.63% | +24.83 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
ARH filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.0M | - |
| 2025Q4 | $18.6M | 3,666 |
| 2024Q4 | $18.6M | 3,786 |
| 2023Q4 | $16.8M | 4,010 |
Credit Union Details
- Charter Number
- 20438
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- MIDDLESBORO
- Data Quarter
- 2025Q4
Branch Location
ARH operates a single office in MIDDLESBORO, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ARH FEDERAL CREDIT UNION (Main Office) | MIDDLESBORO, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ARH
Similar total assets
Using this data
- ARH ranks #3,380 of 4,374 nationally on financial health and #44 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Old Kentucky Home is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Old Kentucky Home
Frequently Asked Questions
Is ARH financially healthy?
ARH has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,380 of 4,374 nationally on health and #44 of 54 in Kentucky. Its net worth ratio is 26.47% and its delinquency rate 2.47%.
How does ARH compare to other credit unions?
ARH scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.63% vs 59.80%). Its widest shortfall is delinquency rate (2.47% vs 1.15%).
How can I join ARH?
ARH operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ARH directly for the exact boundaries and application steps.
Is my money safe at ARH?
ARH is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ARH's net worth ratio of 26.47% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.