Federal credit union · OWENSBORO, Kentucky · NCUA charter #12852
Green River Area
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $58.0M
- Total assets
- 4,963
- Members
- 20.4%
- Net-worth ratio
Green River Area scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $58.0M; members 4,963; net-worth ratio 20.44%; health rank #1,034 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,034 of 4,374 health · 2025Q4Green River Area · health 90/100 · $58.0M · 2025Q4
Call Report peers
Green River Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Green River Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Green River Area sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Peer-gap read for Green River Area
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +13.45 pp (76.05% vs 62.60%).
Kentucky standing for Green River Area
- In Kentucky, health place is #12 of 54 on the same NCUA-ratio sort used nationally.
- By total assets, Green River Area is #26 of 54 in Kentucky.
- Kentucky membership ordinal: #25 of 54.
- One place up in Kentucky, Morehead Community (#11) scores 92/100, 2 points higher; one place down, Metro Plus (#13) ties at 90/100.
Quarter path for Green River Area
Green River Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $58.0M (2025Q4) to $60.1M (2026Q1).
- Net-worth ratio shifted -0.38 pp (20.82% → 20.44%).
20.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Green River Area gives up 10 points in total. Member Growth costs the most, 10.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 15.1 pts
Green River Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.44% | +6.82 pp |
| Delinquency Rate | 0.32% | -0.65 pp |
| Return on Assets | 1.13% | +0.48 pp |
| Member Growth | -2.30% | - |
| Loan-to-Share Ratio | 76.05% | +13.45 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $60.1M | - |
| 2025Q4 | $58.0M | 4,963 |
| 2024Q4 | $54.9M | 5,080 |
| 2023Q4 | $58.3M | 5,138 |
Credit Union Details
- Charter Number
- 12852
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Kentucky
- City
- OWENSBORO
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Green River Area runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| MAIN OFFICE 3000 E 4TH ST (Main Office) | OWENSBORO, KY |
| GREENVILLE BRANCH OFFICE | GREENVILLE, KY |
| HENDERSON BRANCH OFFICE | HENDERSON, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Cross-state Call Report peers for Green River Area
Similar total assets
Using this data
- Green River Area ranks #1,034 of 4,374 nationally on financial health and #12 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kemba Louisville is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kemba Louisville
Frequently Asked Questions
Is Green River Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Green River Area scores 90/100 (Excellent), with a 20.44% net worth ratio and 0.32% of loans delinquent. It ranks #1,034 of 4,374 nationally on health and #12 of 54 in Kentucky.
How does Green River Area compare to other credit unions?
Green River Area scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (76.05% vs 62.60%).
How can I join Green River Area?
Green River Area 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 Green River Area directly for the exact boundaries and application steps.
Is my money safe at Green River Area?
Green River Area 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. Green River Area's net worth ratio of 20.44% 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.