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
- HEALTH 90/100
- NW 20.4%
- DELQ 0.32%
- ROA 1.13%
- ASSETS $58.0M
- MEM 4,963
- RANK #1,034/4,374
- PHOTO ACCLAIM
- BOOK 12852
Call Report peers
Green River Area in the assets neighbourhood
Green River Area's $58.0M assets sit next to ACCLAIM ($58.0M) 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.
Green River Area 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
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
Green River Area - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12852 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Green River Area
Green River Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $58.0M (2025Q4) to $60.1M (2026Q1).
- Net-worth ratio shifted -0.38 pp (20.82% → 20.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Green River Area, both outside Kentucky so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($58.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 Green River Area financially healthy?
A 20.44% net worth ratio and a 0.32% delinquency rate feed into Green River Area's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,034 of 4,374; by total assets it ranks #2,287 of 4,374 nationally (same basis as /rankings/largest); and #26 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Green River Area compare to other credit unions?
On PlainCU's health composite, Green River Area lands at 90/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Green River Area 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. Green River Area's net worth ratio of 20.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Green River Area offer compared to banks?
Credit unions like Green River Area 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 Green River Area 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.