Federal credit union · MIDDLESBORO, Kentucky · NCUA charter #20438
Arh
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $18.6M
- Total assets
- 3,666
- Members
- 25.0%
- Net-worth ratio
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.
Arh - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)38
- Earnings (ROA)100
- Member growth22
- Liquidity (loan-to-share)100
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
24.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.99% | 30% |
| Delinquency Rate | 2.47% | 25% |
| Return on Assets | 0.93% | 15% |
| Member Growth | -3.17% | 15% |
| Loan-to-Share Ratio | 84.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Arh
Charter #20438, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Arh, a federal credit union in MIDDLESBORO, Kentucky with 3,666 members, $18.6M in total assets, and $11.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 73/100 (Very Good), helped by a net worth ratio of 24.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
2.47% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 84.63% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.93% on net income of $173K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.17%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.99% 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 24.99% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.