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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,380 of 4,374 health · 2025Q4ARH · health 73/100 · $18.6M · 2025Q4
- CHARTER 73/100
- NCUSIF 26.5%
- CAMELS 2.47%
- HEALTH 0.93%
- NW $18.6M
- DELQ 3,666
- ROA #3,380/4,374
- ASSETS Farm Credit Employees
- MEM 20438
Call Report peers
ARH in the assets neighbourhood
ARH's $18.6M assets sit next to Farm Credit Employees ($18.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARH vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ARH - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20438, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ARH
ARH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.4% from $18.6M (2025Q4) to $20.0M (2026Q1).
- Net-worth ratio shifted -1.66 pp (28.13% → 26.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for ARH - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ARH financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - ARH's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,380 of 4,374; by total assets it ranks #3,189 of 4,374 nationally (same basis as /rankings/largest); and #41 of 54 within Kentucky. Above 80 reads excellent, below 50 warrants closer monitoring; a 26.47% net worth ratio and 2.47% delinquency rate are the key drivers.
How does ARH compare to other credit unions?
ARH scores 73/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ARH are 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."
What rates does ARH offer compared to banks?
Credit unions like ARH are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ARH directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.