Federal credit union · BRANDENBURG, Kentucky · NCUA charter #23376
Doe Run
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $12.1M
- Total assets
- 1,518
- Members
- 11.4%
- Net-worth ratio
Doe Run - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23376, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Doe Run - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)73
- Earnings (ROA)40
- Member growth0
- Liquidity (loan-to-share)77
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.43% 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 | 11.43% | 30% |
| Delinquency Rate | 1.23% | 25% |
| Return on Assets | 0.03% | 15% |
| Member Growth | -12.96% | 15% |
| Loan-to-Share Ratio | 54.38% | 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 | $12.1M | 1,518 |
| 2024Q4 | $12.1M | 1,744 |
| 2023Q4 | $11.6M | 1,736 |
Credit Union Details
- Charter Number
- 23376
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- BRANDENBURG
- Data Quarter
- 2025Q4
What This Data Says About Doe Run
Doe Run is a federal credit union headquartered in BRANDENBURG, Kentucky, serving 1,518 members with $12.1M in total assets and $5.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 66/100 (Good), anchored by a net worth ratio of 11.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #23376 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 54.38% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.23% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.03% on net income of $4K 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 -12.96%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
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 Doe Run financially healthy?
Yes/no aside, the number is 66/100 (Good) - Doe Run's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.43% net worth ratio and 1.23% delinquency rate are the key drivers.
How does Doe Run compare to other credit unions?
On PlainCU's health composite, Doe Run lands at 66/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Doe Run?
Doe Run 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 Doe Run directly for the exact boundaries and application steps.
Is my money safe at Doe Run?
Federal credit unions like Doe Run 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. Doe Run's net worth ratio of 11.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Doe Run offer compared to banks?
Credit unions like Doe Run 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 Doe Run 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.